Director Initiatives - Loan Origination System (LOS)

Lead the modernization of the Loan Origination System (LOS) to enhance credit approval efficiency—from proposal to approval—using a modular approach tailored to customer segments. Collaborate closely with Risk Management, IT, Data, and Product teams to ensure every credit approval is fast, secure, trackable, and optimized.

Job Details:

1. Design LOS Based on Credit Flow by Segment

◦ Structure LOS segmentation for Retail, SME, and MMLC; build dashboards for Turnaround Time (TAT), rejection/approval rates according to SLA.

◦ Simplify appraisal structure and approval matrix based on risk and approval authority.

2. Modularize Steps by Vertical

◦ Create LOS modules aligned with industry-specific journeys—Retail, SME, MMLC—with pre-optimized processes.

3. Optimize Integration with Other Systems

◦ Integrate CRM, Credit Scoring, Legal, KYC, and ACB One to enable automated or semi-automated processes (auto-decision + assisted).

4. Project Management & Cross-Department Coordination

◦ Develop a master plan and manage tasks related to project scope.

◦ Work closely with relevant units for design and implementation.

◦ Act as the focal point for reporting progress, issues, and adjustment proposals to the Transformation Director.

Job Requirements:

1. Experience & Professional Knowledge

◦ Minimum 10 years of experience in LOS implementation, risk management, and credit approval.

◦ Deep understanding of credit journey—approval structure, scoring, and TAT.

◦ Preferred experience with modern LOS systems such as Finastra Fusion, Newgen, Appway, or custom in-house solutions.

2. Core Skills

◦ Design automated and modular credit processes.

◦ Collaborate with technical and risk teams for data integration.

◦ Analyze SLA data, loan profiles, and risk by segment.

◦ Manage projects involving multiple approval steps and interconnected systems.