Head of Credit

The Company is seeking a Head of Credit to lead its consumer lending function and take end-to-end ownership of the loan lifecycle, from credit policy and underwriting through disbursement, portfolio management, collections, recovery, and provisioning. The role will establish and develop the lending team, set risk-based pricing, and balance portfolio growth, profitability, and responsible lending. Key responsibilities include monitoring portfolio performance through cohort and vintage analysis, tracking delinquencies and non-performing loans, forecasting losses, and overseeing expected credit loss provisioning. The Head of Credit will also direct lending operations, strengthen controls and reporting, and work with senior leaders and cross-functional teams to support sustainable growth. Candidates should have at least five years of consumer lending or credit-risk leadership experience and a proven record managing live loan portfolios across the full lending cycle. Required expertise includes credit policy, underwriting for mass-market or thin-file customers, scorecards, portfolio analysis, collections and recovery, and IFRS 9 or TFRS 9 provisioning. Applicants should understand Thai consumer-finance regulations, hire-purchase requirements, and KYC/AML protocols, and be able to build processes, controls, reporting systems, and effective teams. Strong analytical and commercial judgment, hands-on loan-book management experience, native Thai fluency, and professional English proficiency are essential.