Managing Director

NCR Financial Services is a global fintech company that specializes in catering to underserved and underbanked consumers. Our organization has a passion for helping people financially through our technology solutions which has allowed us to serve millions of consumers globally.

The Managing Director, United States will lead the U.S. lending business during a critical build-and-stabilize phase. The current U.S. operation operates in a fast-moving, entrepreneurial environment. The Managing Director will be responsible for professionalizing the market while continuing to drive disciplined growth.

This role combines revenue ownership, operational stabilization, and process build-out within enterprise-defined credit and compliance frameworks.

This is a hands-on leadership role requiring comfort in ambiguity and the ability to build scalable systems.

The role is responsible for execution and performance within defined corporate KPIs.

This position will be running the growth of the acquisition of Happy Fast Cash and setting up a bank partnership in the US market.

This role does not design credit policy or corporate governance frameworks.

Build Operational Maturity

• Formalize servicing and collections processes
• Implement performance dashboards and KPIs
• Improve oversight of external collection agencies
• Establish accountability rhythms and reporting cadence

Impose Marketing Discipline

• Introduce CAC/LTV discipline across channels
• Develop and improve channel analytics
• Develop performance tracking
• Align marketing growth with approved risk parameters
• Increase growth with a view on profitability controls

Drive Portfolio Stability

• Monitor delinquency and loss trends
• Coordinate with enterprise Risk functions
• Install early-warning performance indicators
• Ensure disciplined collections execution

Market P&L Performance

• Deliver revenue and profitability targets
• Execute approved operating plans and budgets
• Drive cost control and operational efficiency
• Escalate material risks proactively

Bank & Partner Management

• Maintain operational relationship with bank partner(s)
• Ensure adherence to program agreements
• Coordinate reporting and documentation requirements
• Escalate issues to platform leadership when required

Regulatory & Compliance Execution

• Implement corporate compliance policies locally
• Ensure adherence to U.S. federal and state regulations
• Support audits and regulatory reviews
• Maintain documentation and internal controls

Experience:

1. Experience in scaling fintech or consumer lending environments
2. Demonstrated P&L management experience
3. Strong operational process-building capability
4. Comfort operating in fast-moving, ambiguous environments
5. Deep understanding of banks and managing partner relationships with them
6. Deep understanding of U.S. consumer lending and collections
7. Strong leadership and accountability mindset

Looking for:

1. Hands-on, disciplined execution
2. Data-driven decision-making
3. Ability to balance growth with risk management
4. Clear communication with enterprise leadership