Head of Operations

We are looking for an experienced and dynamic professional to join our team as the Operation Head. This role is responsible for overseeing the end-to-end underwriting process, including credit risk assessment, policy implementation, and operational management, to support the growth of the SME lending portfolio while maintaining credit quality and regulatory compliance. The ideal candidate will lead a team of underwriters, drive process efficiency, and collaborate with key stakeholders to align underwriting strategies with organizational goals. Responsibilities

• Lead operation and underwriting team, and fostering professional growth and a culture of accountability.
• Ensure all credit decisions align with the organizations risk appetite and regulatory guidelines, by developing, refining, and implementing underwriting policies and frameworks to manage credit risk effectively.
• Oversee the end-to-end underwriting process, ensuring efficiency, accuracy, and adherence to service level agreements (SLAs).
• Identify bottlenecks in underwriting workflows and implement improvements to optimize operations.
• Collaborate with technology teams to automate and digitize underwriting processes.
• Work closely with sales, product development, and risk management teams to align underwriting policies with business objectives.
• Ensure full compliance with local regulations, credit policies, and internal control requirements.

Requirements

• Bachelors or Masters degree from a reputable university is required.
• Proven experience as an Operations Manager successfully leading diverse business operations for a minimum of 5-10 years. A background in lending organizations is highly desirable and considered a significant advantage.
• Advanced in project management and resolution handling.
• Experience in managing big teams (>20+ people) with a proactive mindset and problem solving.
• Excellent communication and interpersonal skills with ability to motivate and coaching the team.

About Moladin

Moladin is Indonesias leading mobility fintech platform with end to end financing solutions for all players in the used car and EV ecosystem. Moladin empowers its rapidly growing network of more than 26,000 active used car agents and dealer MSMEs, and provides used car consumers with better financing access through digitized loan underwriting. This is supported by its strong used car capabilities with branches and warehouses covering more than 100 cities, industry-leading AI / IoT and partnerships with all top auto financing companies across Indonesia, and also through its OJK-regulated multi-finance company PT Moladin Finance Indonesia. Moladins vision is to be a positive driving force in the physical and social mobility of all the people it touches (“Mobility for all”).

For further information about Moladin, please visit https://moladin.com

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