VP of MSME Lending - Banking

Adecco Indonesia is currently representing our client, a rapidly growing digital bank expanding its MSME lending business. To support this strategic shift, we are seeking an experienced VP of MSME Lending who can combine strong operational leadership with strategic business acumen.This role plays a pivotal part in managing end-to-end MSME lending operations — from credit proposal review to field team supervision — while ensuring smooth execution, compliance, and process optimization.Key ResponsibilitiesLead and manage end-to-end MSME lending operations, from underwriting to funding, ensuring efficient, accurate, and compliant processes.Supervise and guide Relationship Managers (RMs), providing direction on client acquisition, site visits, and proposal preparation before submission to credit reviewers.Translate business strategies into operational execution, ensuring targets are met while maintaining risk and process integrity.Review and validate MSME loan proposals, particularly those involving fixed asset–based financing.Develop, implement, and continuously refine SOPs in collaboration with business, risk, and compliance teams to standardize workflows.Drive process improvement and automation initiatives, enhancing efficiency and reducing turnaround time.Monitor key operational metrics, generate actionable insights, and report performance directly to senior management.Ensure full regulatory compliance in day-to-day operations and proactively implement process adjustments in response to regulatory changes.Requirements8+ years of experience in banking operations, with solid exposure to MSME, lending, or asset-based financing.Proven track record in managing large-scale lending operations and appraisals, especially in fixed asset lending.Strong business acumen with the ability to bridge strategic planning and on-the-ground operations.Demonstrated experience in SOP design, process optimization, and digital transformation / automation.Excellent leadership, analytical, and problem-solving skills; comfortable managing both field teams and central operations.Bachelor’s degree in Business, Finance, Engineering, or related fields; Master’s degree is a plus.