Banking
10 personal loan origination experts
These ten professionals have led personal loan businesses, products or underwriting at banks and consumer lenders, with personal loans named in their own job titles. A reader can learn how lenders build and run unsecured personal loan products.
Professionals to explore
01—10Andrew Seftel
LinkedInExperience: Head of Personal Loans and Overdrafts · Metro Bank (UK)
Head of Personal Loans and Overdrafts at Metro Bank (UK) since 2021, after six months as Head of Lending Growth at Metro Bank (UK). Before Metro Bank, held roles at RateSetter as Head of Lending Growth (2020–2021), Head of Investments (2020–2021) and Head of Customer Management (2019–2020).
Debasis Rath
LinkedInExperience: SVP, Credit Operations · BECU
Managing Director, Head of Personal Loans at Union Bank from 2020 to 2022, after serving there as Managing Director, Unsecured Lending Operations and Originations Manager from 2017 to 2020. Now SVP, Credit Operations at BECU, where the profile describes managing origination operations, including underwriting and loan processing, and driving a 50% decrease in time to fund loans.
Jatin Vijay
LinkedInExperience: Head Personal Loans · Bandhan Bank
Head Personal Loans at Bandhan Bank since 2020. Before that, Regional Head, Personal & Unsecured Business loans at ICICI Bank (2019–2020) and Regional Head Sales, Personal & Unsecured Business Loans at ICICI Bank (2014–2019). The profile cites 24 years of leadership experience in Indian banking and financial services, with a core focus on retail banking.
John Harnett
LinkedInExperience: Head of Personal Loans · HSBC
Head of Personal Loans at HSBC since 2010, where the profile describes responsibility for the P&L for personal loan products across HSBC, first direct and M&S Bank, and for defining product strategy including pricing, proposition development and marketing direction. Former Head of Overdrafts at HSBC (2008–2010) and Head of Credit Card Acquisition at M&S Money.
Joshua Ladd
LinkedInExperience: Senior Director, Personal Loans and Motor Finance · Zopa Bank
Senior Director, Personal Loans and Motor Finance at Zopa Bank in London since 2024, and Senior Director, Unsecured Personal Loans at Zopa Bank from 2021 to 2024. Also held Zopa Bank roles as Head of Card and Loan Acquisition (2021–2022) and Squad Lead - Card Originations & Fraud (2019–2021), with a background as a product manager at Capital One.
Mo Lehman
LinkedInExperience: Head of Personal Loan Strategy & Growth, Direct-to-Consumer · LendingClub
Head of Personal Loan Strategy & Growth, Direct-to-Consumer at LendingClub since 2025, where the profile describes owning P&L performance and growth strategy for the direct-to-consumer Personal Loan business, including issuance performance, offer strategy and funnel optimization. Senior Director, Personal Loan Strategy & Financial Innovation at LendingClub from 2022 to 2025.
Nadia Kusumarani
LinkedInExperience: Head Personal Loan Business- VP · Permata Bank
Head Personal Loan Business- VP at Permata Bank since 2022, and Head Personal Loan Product & Portfolio Acquisition -VP at Permata Bank from 2015 to 2023. Background in consumer credit risk, including Consumer Credit Risk Review Audit Manager at OCBC Indonesia and Acquisition Credit Card Risk Analyst - Assistant Manager at RBS.
Saadi Manzoorul Huq
LinkedInExperience: Director and Head of Personal Loans · Standard Chartered
Director and Head of Personal Loans at Standard Chartered in Bangladesh since 2025, a role also held from 2021 to 2022 as Director and Head of Personal Loan. Director and Head of Credit Cards at Standard Chartered from 2022 to 2025, and Senior Product Manager - Personal Loan and Auto Loan at Standard Chartered from 2016 to 2021.
Tarun Bansal
LinkedInExperience: SVP & Product Head - Business, Digital Lending and Platforms (Personal loans) · Kotak Mahindra Bank
SVP & Product Head - Business, Digital Lending and Platforms (Personal loans) at Kotak Mahindra Bank from 2023 to 2026, where the profile describes building and leading the business product and digital platform team for unsecured personal loans, overdraft loans and payday loans, with responsibility for P&L and portfolio growth. Now VP - Unsecured Consumer Finance at Paytm.
Tini Andiyanti Puspasari
LinkedInExperience: Personal Loan Underwriting Head · CIMB Niaga
Personal Loan Underwriting Head at CIMB Niaga in Indonesia since 2018, with a profile headline of unsecured credit underwriting. Before that, AVP Credit Underwriting at HSBC (2012–2018), Collection Recovery Manager at HSBC (2009–2012) and Regional Credit Manager at HSBC (2007–2009), plus an earlier stint as Underwriting Credit Manager at CIMB Niaga.
Choose the right perspective
Match the person's market and channel to yours, since a UK or US digital lender, an Indian private bank and an Indonesian bank face different regulation, credit data and distribution. Also decide whether you need someone who owned the overall product and its profit and loss, or someone who ran underwriting and origination operations day to day.
Questions to take into the conversation
- 01How do you balance approval rates against expected credit losses when you change personal loan pricing or credit policy?
- 02Which steps in the application and funding process caused the most drop-off, and what did you change to fix them?
- 03How did you organize underwriting and loan processing so time to fund came down without weakening controls?
Reaching personal loan origination experts
How can I contact one of these personal loan origination experts?
Pick one of the 10 people on this page and choose "Book a paid call", or describe your project to find others. You offer a fee for a 15-minute call or a written answer, Instant Expert finds the person's work email and sends the invitation, and they decide whether to accept. The list covers 10 companies, including Metro Bank (UK), BECU and Bandhan Bank, based on profile data retrieved on October 4, 2026. Being listed here doesn't mean someone has agreed to take calls.
How much does it cost to reach personal loan origination experts?
You choose the offer, starting at $5 per person. It includes Instant Expert's 20% fee, so an offer that pays the person $100 costs you $125. You're charged only when the person books the call or sends the answer.
What if they don't reply?
You pay nothing. Instant Expert sends follow-up reminders, and if the person hasn't booked or answered within 7 days, the request expires and any hold on your card is released. You can invite several of the 10 people on this list at once and cap your total spend, so you pay only for the ones who accept.
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot and may describe past or present roles. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.
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