Credit Business Owner

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the role

We are seeking a seasoned financial services professional with demonstrated experience managing a consumer lending program in the Philippines.  This individual should have a great command of lending product economics and a firm understanding of the credit lifecycle.  Building on that foundation, the Lending Business Owner will own the full product lifecycle and end-to-end P&L for GoTyme’s next-generation lending offering—driving profitable growth, best-in-class customer experience, and disciplined risk management.

• Product Strategy and Development: Craft the go-to-market and multi-year product vision, customer value proposition, and agile roadmap; lead discovery, prototyping, and iterative releases from concept to scale. Ensure that investments are aligned to Tyme group’s multi-country vision.
• P&L Ownership: Set and deliver volume, revenue, cost, and loss targets; optimise profitability through pricing, fee design, and margin management while always keeping the customer top of mind.
• Credit & Risk Partnership: Co-design acquisition, underwriting, portfolio-management, and collections strategies with Credit Analytics, Fraud, and Collections to stay within risk appetite while maximising lifetime value.
• Customer Growth & Experience: Drive acquisition, activation, and retention through data-driven marketing, UX experimentation, and personalised lifecycle journeys to sustain high NPS.
• Cross-Functional Leadership & Governance: Align Legal, Compliance, Finance, Operations, Tech, and Marketing to hit launch and portfolio milestones; present business cases to ExCo, credit committees, and regulators.
• Data-Driven Decision Making: Institutionalise OKR dashboards, test-and-learn agendas, and cohort analytics; socialise insights for rapid course-correction.
• Team Building & Mentorship: Recruit, coach, and inspire a multidisciplinary squad of product, credit, marketing, operations teams to support lending initiatives; foster GoTyme’s culture of “hunger & humility.”
• Innovation & Continuous Improvement: Scout fintech trends, embedded-lending plays, and alternative-data partnerships to keep GoTyme at the front of consumer credit innovation.

Must haves

• Bachelor’s degree or higher in Business, Finance, Economics, Engineering or similar.
• MBA or Master’s in a quantitative field is a plus.
• Relevant experience or diplomas, certificates or completed training courses.
• CFA, FRM, PMP is a plus.
• 5+ years in consumer lending or fintech
• Experience owning lending product P&L
• Proven track record of launching and scaling credit products in emerging market