Chief Operating Officer - Operations/Technology & Credit

Job Title: Chief Operating Officer (COO) Operations, Technology & Credit

Position Overview:

The Chief Operating Officer (COO) Operations, Technology & Credit is a key member of the executive leadership team, responsible for the development, implementation, and optimization of business operations across the organization.

This includes end-to-end oversight of operational workflows, credit processes, technology infrastructure, and the alignment of these functions with the company's strategic goals. The COO will work closely with cross-functional leaders to ensure operational excellence, scalable growth, and exceptional customer experience.

Key Responsibilities:

Strategic Leadership:

- Collaborate with the CEO and executive team to set and execute the company's strategic vision.

- Lead company-wide initiatives to improve operational efficiency, automation, and scalability.

- Establish KPIs, OKRs, and operational benchmarks aligned with business goals.

Operations Management:

- Oversee day-to-day operations, ensuring streamlined and cost-effective business processes.

- Lead customer service, back-office, onboarding, and process improvement teams.

- Implement risk management and compliance processes to meet regulatory and legal standards.

Technology & Digital Infrastructure:

- Drive technology strategy and innovation to support current operations and future growth.

- Oversee IT systems, digital product development, software architecture, and cybersecurity.

- Work with CTO/tech leads to evaluate and implement emerging technologies (AI, automation, cloud, APIs).

Credit & Risk Management:

- Develop and refine credit policies, underwriting processes, and portfolio management strategies.

- Ensure robust credit risk assessment, scoring models, and collections processes.

- Monitor credit performance and align with data analytics to guide decision-making.

Team Leadership & Culture:

- Build and lead high-performing teams across operations, technology, and credit departments.

- Foster a culture of accountability, innovation, and continuous improvement.

- Mentor departmental heads and drive leadership development within teams.

Qualifications:

- Bachelors degree in Business Administration, Finance, Engineering, or related field (MBA preferred).

- 15+ years of experience in operational leadership roles, preferably in financial services, fintech, or tech-driven industries.

- Proven experience managing technology operations and credit functions at scale.

- Strong understanding of digital transformation, data analytics, and automation technologies.

- Deep knowledge of regulatory frameworks in banking, lending, or financial services.

- Exceptional leadership, interpersonal, and decision-making skills.