Fixing banking and lending for the gig 1099-economy. Oxygen offers the best bank account, card and easy, fast affordable loans. Oxygen enables gig-employers to do right by today’s hard-working nation while also making unbeatable returns on deployed lending capital.
Role Overview
The Head of Lending Operations will be responsible for overseeing the end-to-end lending operations of the organization, ensuring efficient loan processing, strong risk controls, regulatory compliance, and excellent customer experience. This role requires a results-driven leader with deep knowledge of lending processes, credit operations, and operational excellence.
Key Responsibilities
Lead and manage the entire lending operations lifecycle, including loan origination, credit assessment, disbursement, monitoring, and recovery support.
Develop, implement, and continuously improve lending operational policies, procedures, and workflows.
Ensure strict compliance with regulatory requirements, internal controls, and risk management frameworks.
Collaborate with Credit Risk, Sales, Finance, Legal, and Technology teams to optimize loan turnaround time and portfolio quality.
Monitor loan performance, portfolio health, delinquency trends, and operational KPIs, and provide strategic insights to management.
Oversee operational teams, set performance targets, and drive productivity, accountability, and service excellence.
Identify operational risks and inefficiencies and implement corrective and preventive controls.
Lead process automation and digital transformation initiatives to improve efficiency and scalability.
Ensure high standards of customer experience throughout the lending journey.
Prepare and present regular operational and performance reports to senior management.
Requirements
Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
A Master’s degree or relevant professional certifications (e.g., ACA, ACCA, CFA, MBA) is an advantage.
Minimum of 3–10 years experience in lending, credit operations, or financial services, with at least 3–5 years in a senior leadership role.
Strong understanding of lending operations, credit risk management, loan documentation, and recovery processes.
Proven experience managing large operational teams and driving performance.
Excellent analytical, leadership, and decision-making skills.
Strong knowledge of regulatory and compliance requirements within the financial services industry.
Ability to work in a fast-paced, high-growth environment.
What We Offer
Competitive executive-level compensation package.
Performance-based incentives.
Opportunity to play a key leadership role in a growing financial institution.
A collaborative, innovative, and impact-driven work environment.
Career growth and professional development opportunities.