Founder's Office (Lead) - Philippines

Description:

Lead Philippines (Consolidation & Refinancing Business)

About the Role:

Were hiring a mission-critical Lead for the Philippines, responsible for building our consolidation and refinancing lending business from the ground up. This is a founder-lite role that combines hands-on execution with strategic ownership across growth, partnerships, compliance, and full P&L accountability.

The ideal candidate will bring deep operating experience in fintech lending, a bias for execution, and a hunger to build at scale delivering a USD 67M loan book annually, within the company's defined risk thresholds. This is not a strategy and a coordination job. It is an ownership-heavy, zero to-one opportunity to define and drive the future of subprime financial inclusion in the Philippines.

Key Responsibilities:

1. Go-To-Market & Growth Execution:

- Build and execute the GTM roadmap for consolidation and refinancing offerings across B2C and B2B2C channels.

- Own acquisition funnels, customer segmentation, and conversion metrics across employer partnerships, digital channels, and referral ecosystems.

- Define growth levers (CAC/LTV balance, repeat usage triggers, churn minimization) and deploy rapid experimentation loops.

- Work with HQ product and design teams to localize UI/UX, onboarding, and engagement strategies.

2. Partnerships & Ecosystem Development:

- Identify, negotiate, and close strategic partnerships with employers, credit bureaus, financial advisors, collection agencies, and HR tech firms.

- Represent the brand at industry events, government forums, and fintech communities to build credibility and alliances.

- Co-create employer-based programs for employee refinancing, loan switching, and payroll-integrated disbursements.

3. P&L Ownership & Business Scaling:

- Own the Philippines P&L end-to-end from loan disbursements to collections, pricing strategy to cost control.

- Drive scale while ensuring profitability and unit economic sustainability.

- Forecast performance across disbursals, NPLs, recoveries, and margin levers with the help of HQ.

- Implement monitoring dashboards and own monthly business reviews with the Founder/Board.

4. Risk & Regulatory Compliance:

- Ensure the local business operates within FLINs defined risk thresholds, including credit quality, exposure limits, and product structuring.

- Liaise with legal/compliance teams to ensure adherence to the Philippines lending regulations and consumer protection standards.

- Build robust documentation, internal checks, KYC processes, and grievance redressal workflows as required by local law.

Requirements:

- 2 to 3 years in a similar operating or expansion role in a high-growth fintech lender, ideally in India or SE Asia

- Strong understanding of the Philippine credit market, especially in consumer lending, near-prime, or refinancing segments.

- Prior experience with zero-to-one business building or launching a new geography/vertical

- Excellent grasp of lending unit economics, CAC/LTV, and growth funnels

- Strong cross-functional ability: GTM, sales, compliance, credit/risk, and customer ops

- Highly analytical and numbers-driven; hands-on with Excel, metrics dashboards, and business modeling

- Fluent in English; fluency in Tagalog or Filipino is preferential.

- Gritty, hungry, and execution-obsessed. You act like an owner, not an employee.