CarDekho.com - Business Lead - Consumer Financing

Role Summary

The Business Lead for Consumer Financing is a senior leadership position responsible for the overall strategic direction, operational excellence, and financial performance of the lending business unit in Manila. The successful candidate will drive growth, manage P&L, build and lead high-performing teams, and ensure compliance with all local regulations. This role reports directly to the country head.

Key Responsibilities

Strategy and Growth

- Develop and execute a comprehensive business strategy to achieve market leadership and significant market share in the Philippines' used auto financing space.

- Lead strategic thinking and execution of new initiatives across each key vertical- credit, collection, sales and operations.

Financial Management

- Own and manage the Profit & Loss (P&L) for the business unit, including budgeting, forecasting, and resource allocation.

- Drive initiatives to improve operational efficiency, cost management, and profitability.

Leadership and Team Development

- Lead, mentor, and develop a diverse team of 40+ professionals across Sales, Operations, Credit, Collection.

- Foster a high-performance culture that emphasizes accountability, collaboration, and ethical conduct.

- Conduct regular performance reviews and succession planning with the country head and co-founders.

Stakeholder and External Relations

- Serve as the primary external representative for the business unit in Manila, engaging with investors, creditors and bank partners.

- Liaise effectively with global/regional leadership and cross-functional teams to ensure alignment with overall company strategy.

- Manage relationships with regulatory bodies, ensuring full compliance with local laws and internal policies.

Required Qualifications and Experience

- Bachelor's degree in Business, Finance, or a related field. MBA or advanced degree preferred.

- Minimum of 5 years of progressive leadership experience, with at least 2 years in a Head of Business, General Manager, or similar senior role in the lending space

- Deep understanding of the fintech and financial services market in the Philippines or other SEA markets.

- Proven P&L management, strategic planning, team leadership, and stakeholder management skills.

- Fluency in English is required.

Location

This role is based in our offices at Uptown Mall - Uptown Bonifacio, Manila, Philippines.