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)