Chief Operating Officer - Consumer Lending Business

Company Overview

Our organization is a China-based fintech platform powered by AI, delivering technology-enhanced services that cover the entire loan lifecycle: borrower acquisition, credit evaluations, funding facilitation, and post-loan management. We currently operate in Europe, Latin America, and Southeast Asia and are in the process of expanding into Canada.

Role Summary

This position leads the comprehensive strategy, development, and operational management of the consumer lending business within Canada. The individual will oversee market entry, product development, business expansion, and hold full profit and loss responsibility while building local teams and operational frameworks to support sustained growth.

Key Responsibilities

• Drive the formulation, implementation, and advancement of the consumer lending business strategies in Canada.
• Manage business outcomes including loan origination growth, portfolio development, profitability metrics, and key operational indicators.
• Create and introduce consumer lending solutions such as unsecured personal loans and installment loans adapted for the Canadian market.
• Collaborate closely with departments like Risk, Product, Data, Compliance, and Technology to improve underwriting, portfolio health, and customer satisfaction.
• Track market dynamics, competitive activities, and regulatory updates to uncover new growth opportunities.
• Recruit and lead a proficient local team while establishing scalable and compliant operational systems.
• Serve as the company’s representative during interactions with partners, regulators, and industry groups.

Candidate Requirements

• Possess at least a bachelor's degree in Finance, Economics, Business Administration, or related disciplines.
• Have over 10 years of leadership experience in consumer lending, retail banking, fintech, or financial services, with deep insights into the Canadian market.
• Demonstrated success in launching, overseeing, or expanding consumer lending products in Canada.
• Comprehensive knowledge of Canadian lending regulations, compliance standards, and industry best practices.
• Expertise in credit underwriting, risk management, payment ecosystems, and lending distribution mechanisms.
• Preferably have a professional network within Canadian banking, fintech, or consumer finance sectors.
• Proven skills in business development, leadership, and strategic execution.
• Legal resident authorized to work fully in Canada.
• Fluency in Mandarin Chinese and English, both written and spoken.