Job Title: Head of Unsecured Lending (Business Owner - Agile Framework)
Bank Type: AI-Driven Digital Bank

About the Role
We are seeking a visionary and entrepreneurial Head of Unsecured Lending to lead our unsecured lending portfolio as a Business Owner within an Agile product development environment. This individual will be responsible for defining product strategies, driving innovation, and ensuring the delivery of customer-centric digital lending solutions that harness advanced AI technologies.

Key Responsibilities:

• Act as the Business Owner for unsecured lending products, owning the end-to-end lifecycle within an Agile development framework.
• Define product vision, roadmap, and KPIs in alignment with overall bank strategy and customer needs.
• Collaborate closely with cross-functional agile teams—including product managers, data scientists, developers, and marketing—to prioritize features and deliver value iteratively.
• Leverage AI, machine learning, and data analytics to optimize credit scoring, risk management, customer onboarding, and fraud prevention.
• Develop innovative, competitive unsecured lending products (e.g., personal loans, credit lines) tailored for the Thai market.
• Manage regulatory compliance, credit policies, and risk appetite to maintain high-quality portfolios while enabling growth.
• Drive digital transformation initiatives to improve customer experience, operational efficiency, and product performance.
• Monitor and analyze product performance, customer feedback, and market trends to continuously enhance offerings.
• Lead, motivate, and build a high-performance team of credit risk analysts, product owners, and data specialists.
• Foster a culture of agility, innovation, and customer-centricity across the organization.

Qualifications & Skills:

• Bachelor's degree in Finance, Business Administration, Economics, or related field; an MBA or advanced qualification is a plus.
• 8+ years of experience in unsecured lending, consumer finance, or related fields, with demonstrated leadership in digital or innovative environments.
• Proven experience in Agile product ownership, ideally within a fintech or digital banking context.
• Strong knowledge of credit risk management, regulatory standards in Thailand, and digital transformation strategies
• Expertise in AI, machine learning, and data analytics applied to lending and risk assessment.
• Excellent stakeholder management, communication, and leadership skills.
• Fluency in Thai and English.

Why Join Us:

Be part of a trailblazing digital bank driving change with AI and Agile methodologies in Thailand’s financial industry. Lead innovative products, influence strategic direction, and shape the future of banking.