Credit Risk Head

CLIENT: 

Our client is a leading technology company in the Philippines.

JOB DESCRIPTION

The Head of Credit Risk & Collections manages the country’s credit portfolio by developing, tracking, and overseeing credit risk management policies, procedures, and underwriting frameworks. You will work with the regional risk team and country operations to ensure risk goals are met. You chosen for this role will have the unique opportunity to grow professionally as the team embarks on this journey throughout the credit risk framework, from data integrity, to systems, reporting, and compliance.

  • You will manage credit quality (target NPL, write-offs) of all portfolios with the Regional Credit Risk Head
  • You will improve underwriting and customer portfolio management risk policies through use of analytics and strategies for consumer and SME portfolios
  • You will drive business agenda with potential partners and evaluate the right economics of risk and profitability
  • You will assist decisions through targeted acquisitions and profitability analysis
  • You will always monitor portfolio risk reports and use the reports to identify potential opportunities to enhance efficiency of credit processes
  • You will provide regular & ad hoc credit risk evaluation and advisory for regional teams and key stakeholders
  • You will lead a team of 2-5 credit risk members in consumer and SME to ensure risk and return profile is optimized and is within the GFSA risk appetite thresholds
  • You will understand and implement the best lending practices and embed successful acquisition strategies
  • You will assist product and credit programs, including the review and estimation of risk parameters, product pricing, product structure, and regulatory requirements
  • You will help set up of the compliance framework and help with regulatory reporting on an ad hoc basis.

JOB QUALIFICATION

  • You have a master’s degree/bachelor’s degree, preferably in Statistics, Mathematics, or Economics
  • You have a minimum 8+ years relevant work experience in credit underwriting, MIS reporting credit policy, credit analytics, and leading a team of at least 2-3 members for 2+ years
  • You have expertise in consumer banking customer’s credit life cycle and with prior experience in SME lending
  • You have developed capacity to influence related business stakeholders
  • You can analyze a significant amount of information

ACTIVE DATES
Urgent hiring!

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