# Strategic Director - MSME Digital Lending

> Qode · Ho Chi Minh, Vietnam · Full-time · Posted 2026-06-03

**Workplace:** on_site

## Description

**TMO - Strategic Director – MSME Digital Lending**

  

**Role Overview**

We are seeking a Strategic Initiatives Director to lead the design and execution of an end‑to‑end MSME digital lending journey. This role is responsible for building a scalable, data-driven credit operating model that integrates technology, risk, and customer experience to deliver fast, secure, and fully digital lending solutions for small and micro businesses.

You will act as a cross-functional leader, working across Risk, Business, Technology, Data, and Operations to reshape how MSME lending is originated, underwritten, approved, and managed in a digital-first environment.

  

**Key Responsibilities**

  

**1 - Design MSME Credit Architecture (Modular & Digital-first)**

Develop a modular MSME credit framework leveraging:

-   Credit bureau data (CIC)
-   Transactional and behavioral data

Build scalable credit models tailored by:

-   Industry clusters
-   Business size
-   Cashflow patterns

Define the credit decisioning logic and framework for automation.

  

**2 - Lead End-to-End Digital Lending Transformation**

Design and implement a fully digital MSME lending journey from:

-   Customer onboarding → onboarding automation
-   Credit assessment → approval → disbursement → monitoring

Shift delivery from RM-led processing to advisory-driven engagement

Reduce turnaround time (TAT) and increase straight-through processing (STP).

  

**3 - Build Portfolio Analytics & Risk Monitoring Capabilities**

-   Develop early warning systems and credit-health monitoring tools
-   Design portfolio dashboards to track:
-   Loan quality
-   Risk exposure
-   Segment performance
-   Enable data-driven decision-making for MSME portfolio management.

  

**4 - Develop Digital-First Lending Products**

-   Collaborate with Product, Risk, and Technology teams to launch:
-   Automated disbursement solutions
-   Digital documentation & onboarding
-   Embedded lending use cases (where applicable)
-   Ensure alignment with the MSME lifecycle and channel strategy.

  

**5 - Lead Program Execution & Cross-Functional Governance**

Own end-to-end initiative delivery roadmap and execution plan

Lead a 20–50 FTE cross-functional team, including:

-   Project Managers (PMs)
-   Product Owners (POs) / Business Analysts (BAs)
-   Scrum Masters (SMs)
-   Change Managers (CMs)

Act as the primary interface with the Transformation Director, providing:

-   Progress updates
-   Issue escalation
-   Strategic recommendations

  

**Experience & Domain Expertise**

Minimum 10+ years of experience in:

-   MSME lending / SME banking
-   Credit product development
-   Lending operations or LOS implementation

  

Proven track record in:

-   Digital lending transformation
-   Credit scoring / decision engine implementation

  

Strong knowledge of:

-   MSME financing models
-   Credit lifecycle (origination → underwriting → monitoring)

## Apply

[Apply at Qode](https://apply.workable.com/qodeworld/j/A1A72FF7AC/apply)

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