Head, Countryside Consumer Lending Division

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Position Title: Head, Countryside Consumer Lending Division - Luzon

Job Summary:

• This position is responsible for managing the home and car financing businesses of Consumer Lending Group for Luzon Region from acquisition to booking and ensuring compliance to regulatory and credit policies of the Bank.

Specific Duties & Responsibilities

• Supervises the division in accommodating loan acquisition thru branch/unit referral, end-buyer, corporate, and developer tie-ups, etc. for countryside.
• Ensures the following:
  • business is profitable and has achieved the agreed target;
  • cost to operate is within budget;
  • document deficiency rate is within cap;
  • past due rate is within acceptable level;
  • no major and/or recurring issue cited by internal and external auditor; and
  • encumbrance and annotation of collateral documents within the TAT
• Liaises with internal and external clients to settle issues and concerns that may arise.
• Handles administrative matters pertaining to the division.
• Attends to corporate and developer-related events such as, but not limited to, client calls and site inspection for project accreditation.
• Recommends policy, process, and system improvement of the Division.
• Performs other related functions that may be assigned from time to time. 

Qualifications:

• Bachelor’s degree in Business Administration, Finance, Economics, or a related field; an MBA or equivalent advanced degree is a plus.
• At least 5 years of senior management experience in consumer lending, with a robust background in home and car financing.
• Proven leadership and supervisory skills, with the ability to manage loan acquisition, booking processes, and cross-functional coordination.
• Strong analytical and problem-solving abilities, particularly in financial analysis, budgeting, and ensuring compliance with credit and regulatory policies.
• Thorough knowledge of consumer lending policies, project accreditation, and process improvement strategies, with a track record of maintaining operational efficiency and audit compliance.
   

Other Details:

Unit: Consumer Business Sector/ Consumer Lending Group/ Countryside Consumer Lending Division
Office Location:  Amenable to be assigned in Pampanga or Calamba Laguna