Lending Operations Team Lead (Underwriting & Collections)

Job Title: Lending Operations Team Lead (Underwriting & Collections)
Location: Remote (Work From Home) | Night Shift (Philippine Time / EST)
Compensation: ₱68,000 – ₱133,000 per month (CAD $9 to $14/hour, dependent on experience and hours)
Pay Frequency: Weekly (Paid in Canadian Dollars / PHP Equivalent)

We are a growing Canadian lending company based in Quebec built on speed and precision. We are seeking an exceptional, high-integrity Lending Operations Team Lead to take end-to-end ownership of our daily credit approvals, collections strategy, and team execution.
This is not an entry-level virtual assistant position. We are looking for a sharp, numbers-driven leader who can evaluate credit risk with high precision, design and execute high-recovery collection strategies, and elevate the performance of our lending team.
Requirements
Required Education
Bachelor’s degree in Business Administration, Management, Finance or related field.
Required Experience
Proven Track Record: Minimum 3+ years of professional experience in lending, credit analysis, microfinance, underwriting, or collections operations. Direct experience in microlending, payday loans, or commercial lending is a strong advantage.
Leadership Experience: Hands-on experience supervising, coaching, or leading a team of lending or collections agents.
Analytical & System 2 Thinking: Superior ability to make fast, sound risk decisions based on financial documents, data, and established credit rules.
Tactical Communication: Exceptional written and spoken English skills with the emotional intelligence to negotiate payment solutions with difficult or past-due customers.
Tech Fluency: Fast learner across modern SaaS platforms and multi-tab operational environments.
Preferred Technical Skills
Experience with project and task management tool ( ---------- , CRM and loan software, Google workspace, Zapier)
Familiarity with Payment Service Providers (PSPs), (e.g., Stripe, SquareUp, and similar)
Experience using AI-powered tools (e.g., ChatGPT, Claude, or workflow automation tools) to improve productivity or efficiency
Familiarity with creative tools (e.g., Canva, Photoshop)
Experience using different phone systems such as (Telus, Ring central or similar) and Business / Corporate Email .

Key Responsibilities
End-to-End Underwriting & Loan Approvals: Review high-volume loan applications by analyzing borrower income, bank statements, employment details, and ID verification to make fast, accurate approve/decline decisions following established credit risk guidelines.
Strategic Collections & High-Level Recovery: Oversee past-due portfolio management, design effective collection strategies, utilize advanced skip tracing methods, and step in to handle high-risk or escalated delinquent accounts to secure payment arrangements.
Team Leadership, Coaching & Performance: Supervise, train, and guide a team of loan processors and collections agents, setting daily targets, monitoring KPIs, conducting quality assurance, and fostering a high-performing team environment.
Process Optimization & Systems Management: Multi-task across internal platforms (CRM, loan management software, Microsoft 365, Google Workspace, ---------- ) while proactively identifying operational bottlenecks and implementing fixes without waiting for direction.

WHAT WE OFFER:
₱68,000 – ₱133,000 per month | Full-time | Long-term | Work from home
Weekly pay (Paid in Canadian Dollars / PHP equivalent)
Room for career growth (higher pay rates and leadership opportunities for top performers)
Full paid training on our systems, software, and procedures
Performance bonuses and incentive schemes for top metrics
WORK SCHEDULE & HOURS:
40 to 50 hours per week (Full-Time)
Night shift in the Philippines (Following Canadian Eastern Standard Time - EST)
Weekend shifts may be required based on operational needs
Amenable to working shifting schedules and Philippine/Canadian holidays
Equipment/Setup: Must have a quiet home setup with high-speed internet and power backup
Attendance: Strict adherence to punctuality and shift attendance

**HOW TO APPLY**

To apply, please send us your application with the exact subject line:
Canadian Lender - [Your Full Name] - [Years of Experience]

Include the following in your application:
1. Updated Resume
2. 2-Minute Video Introduction:

• Record a 2-minute video against a plain background introducing yourself and highlighting your core experience in loan approvals and collections.
• Upload to Google Drive and set permission to "Anyone with the link can view."

3. Written Answers to these 6 Questions:
1. Where have you worked in lending, credit, banking, or collections, for how long, and what were your average monthly volume or recovery metrics?
2. When reviewing a borderline loan application with conflicting income documents or bank statements, what step-by-step logic do you use before making an approve/decline decision?
3. Tell us about a severely past-due account where the customer was hostile or refusing to pay. What specific communication techniques did you use to calm them down and secure a payment arrangement?
4. Describe a time when you noticed an error in a lending process, CRM system, or workflow. What proactive steps did you take to fix it without waiting to be told?
5. Have you supervised a team? If yes, how many people, and how do you coach an underperforming team member to improve their targets?
6. Working 40–50 hours per week on a Canadian night shift requires discipline. What personal routines or strategies do you use to maintain energy and accuracy during night hours, and can you commit to this schedule, including weekends?