Head of Consumer Lending

A leading organisation in the consumer finance sector is seeking a Head of Consumer Lending to take full ownership of its lending engine and loan book. This pivotal role offers you the opportunity to shape the future of consumer lending, overseeing every aspect from credit policy to portfolio performance and collections.

You will be instrumental in building the consumer lending function and team from the ground up, ensuring sustainable growth while balancing risk and profitability. The company values flexibility, professional development, and a supportive environment where your expertise will drive meaningful impact across the business. If you are passionate about consumer finance and ready to lead a high-performing team, this is your chance to make a significant difference.

• Take end-to-end responsibility for the entire consumer lending cycle, including credit policy, underwriting, approval, disbursement, portfolio management, collections, recovery, and provisioning.
• Build and develop a new consumer lending function and team within an established financial services organisation, with direct influence on strategy and operational excellence.
• Enjoy a collaborative workplace that supports professional growth, values data-driven decision making, and encourages continuous improvement in all aspects of lending operations.

What you'll do:

As Head of Consumer Lending you will play a central role in shaping the organisation’s approach to consumer finance. Your daily responsibilities will span from designing robust credit policies for mass-market customers to managing complex portfolio analytics that inform commercial decisions. You will oversee all aspects of lending operations—from initial customer onboarding through KYC checks to final disbursement—ensuring that every process is efficient and compliant with regulatory standards. By leveraging data-driven insights you will continuously improve underwriting criteria and pricing strategies while keeping a close eye on portfolio trends. Your leadership will be crucial in establishing scalable frameworks for reporting and controls as the business expands. Building a cohesive team dedicated to excellence in credit analysis and operations will be key to your success. Working closely with senior management you will help drive sustainable growth while maintaining responsible lending practices throughout the loan lifecycle.

• Develop, implement, and own credit policy, lending criteria, and approval rules tailored for a mass-market customer base with thin-file profiles.
• Set risk-based pricing strategies and manage unit economics to ensure profitability across the loan book.
• Oversee overall portfolio performance by conducting cohort and vintage analysis, monitoring non-performing loans (NPL), forecasting losses, and developing credit MIS dashboards.
• Manage IFRS 9 / TFRS 9 Expected Credit Loss (ECL) provisioning processes while closely monitoring delinquency across various DPD buckets.
• Design and supervise collections, recovery, and NPL management strategies including device-lock/MDM enforcement where applicable.
• Direct day-to-day lending operations such as KYC procedures, credit approvals, disbursements, and maintaining robust controls and processes.
• Monitor portfolio trends using data-driven insights to continuously refine underwriting standards, pricing models, and lending strategies.
• Establish scalable frameworks for consumer lending processes, reporting mechanisms, and internal controls as the business grows.
• Build, lead, mentor, and develop the consumer lending team including credit analysts and operations staff.
• Collaborate with senior management and cross-functional teams to ensure sustainable growth of the loan portfolio while maintaining responsible lending practices.

What you bring:

Your extensive background in consumer lending equips you with deep knowledge of credit-risk leadership within financial institutions. You bring proven experience managing portfolios end-to-end—from policy creation through loss forecasting—ensuring both compliance with regulatory standards and commercial viability. Your expertise spans credit underwriting for diverse customer bases including those with limited financial histories; you have successfully implemented scorecards conducted vintage analyses managed NPLs overseen provisioning under international accounting standards. Your analytical abilities enable you to interpret complex data sets translating them into strategic decisions that drive profitability without compromising responsible lending practices. Familiarity with Thai regulatory requirements ensures your operations remain compliant while your ability to build new functions demonstrates adaptability vision commitment to excellence. As a native Thai speaker fluent in English you foster clear communication across teams supporting collaborative efforts towards shared goals. Practical hands-on experience managing loan books distinguishes you as someone who can confidently own every stage of the lending cycle.

• At least five years’ experience in consumer lending or credit-risk leadership roles within consumer finance or hire-purchase lenders, leasing companies or financial institutions.
• Proven track record managing live consumer lending portfolios end-to-end including credit policy development, scorecard implementation, vintage analysis, NPL management and provisioning under IFRS 9 / TFRS 9 standards.
• Deep expertise in credit underwriting for mass-market or thin-file customer segments with hands-on experience in collections and recovery strategies.
• Highly numbers-driven mindset with strong analytical skills enabling translation of portfolio data into actionable commercial decisions.
• Comprehensive understanding of Thai consumer-finance regulations including hire-purchase requirements as well as KYC/AML protocols.
• Demonstrated ability to build new functions from scratch by establishing effective processes controls reporting systems and developing high-performing teams.
• Commercial acumen allowing you to balance risk appetite portfolio growth objectives profitability targets responsibly.
• Native Thai speaker with professional proficiency in English suitable for business communication across teams.
• Experience working within environments such as consumer finance auto finance leasing fintech lenders or bank consumer-lending divisions owning loan books rather than focusing solely on modelling or analytics.
• Hands-on experience operating managing consumer loan books is essential.

What sets this company apart:

This organisation stands out as a leader in Thailand’s consumer finance landscape by offering an inclusive environment where collaboration knowledge sharing professional development are actively encouraged. Employees benefit from flexible working opportunities generous pension contributions ongoing training programmes designed to enhance both technical skills interpersonal capabilities. The company’s commitment to responsible lending is matched by its dedication to creating scalable solutions that support sustainable growth—making it an ideal place for professionals who value integrity innovation teamwork. With access to cutting-edge technology robust data analytics tools supportive leadership structures you’ll find ample opportunities for personal advancement alongside meaningful contributions towards improving financial access for underserved communities across Thailand.

What's next:

If you are ready to take ownership of an impactful role in consumer finance apply now to join this forward-thinking organisation!

Apply today by clicking on the link provided.

Due to the high volume of applications, our team will only be in touch if your application is shortlisted.

Robert Walters Recruitment (Thailand) Limited
Recruitment License No.: น. 1188 / 2551