Tuyển dụng ACB: TMO - Strategic Director – MSME Digital Lending tại Hội sở (Hồ Chí Minh), [TMO] Chiến lược & Danh mục, TMO (Hồ Chí Minh) (03/06/2026)

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ACB đang tuyển dụng TMO - Strategic Director – MSME Digital Lending — vị trí làm việc tại Hội sở (Hồ Chí Minh), [TMO] Chiến lược & Danh mục, TMO (Hồ Chí Minh).

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Thông tin Chi tiết
Vị trí TMO - Strategic Director – MSME Digital Lending
Ngân hàng ACB
Đơn vị Quản lý Chuyển đổi - TMO
Địa điểm Hội sở (Hồ Chí Minh), [TMO] Chiến lược & Danh mục, TMO (Hồ Chí Minh)
Mức lương Thương lượng
Hạn nộp hồ sơ 2026-07-03

:memo: Mô tả công việc

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.

  1. 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).

  1. 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.

  1. 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.

  1. 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)

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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.

  1. 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).

  1. 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.

  1. 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.

  1. 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)

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