Head of Digital Lending (API, AI/Machine Learning)

Collaborate with bussiness to define and implement the company’s digital lending strategy aligned with business goals.Build and scale the Digital Lending department to support business growth and digital transformationDrive digital transformation across the lending value chain to ensure competitiveness and growth.Develop and manage digital lending products (personal loans, BNPL, credit cards, etc.).Continuously improve customer journey, ensuring seamless, fast, and secure digital lending experiences.Collaborate with related teams to design and implement scalable digital lending platforms.Promote the use of AI/ML models, alternative data, and advanced analytics for credit scoring and risk assessment.Ensure integration with digital channels (mobile, web, partner platforms).Ensure digital lending practices comply with regulatory requirements and internal policies.Implement robust fraud detection, cybersecurity, and data protection measures.Drive process automation, straight-through processing (STP), and cost efficiency.Establish and monitor KPIs (approval turnaround time, NPL ratio, digital adoption rate, etc.).Collaborate with internal business units (marketing, operations, IT, finance, collections) to ensure alignment.