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Credit Risk Head (Modelling)

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Job Description and Qualification:

Responsible for helping develop a long term and sustainable credit risk strategy for the identified segment in coordination with HO and for its adherence to the Risk Appetite Statements and applicable group policies

· Together with the Head of Credit Risk Management, interact with the Retail Management Team to align on the commercial strategy and support the objectives of the bank

· Actively collaborate in the development of a new and flexible decision engine infrastructure

· Coordinate for evaluating, appointing and managing fintechs for partnerships, and interaction with credit bureaus.

· Coordination and alignment with Credit Operations, Product Development and Customer Intelligence on ongoing basis

· Modelling - Explore, identify and anticipate new ways to improve risk decision making levering on new data sources & methodologies, balancing client experience and effective risk & operational processes. Help in developing credit scoring, credit analytics and non-regulatory models. Ensure scorecard performance is regularly monitored.

· Responsible risk taking - Assure risk appetite compliance and continuous portfolio monitoring to ensure we operate within the risk appetite statements established with Head Office.

· Analysis - Report, locally and to Head Office, the portfolio status on ongoing basis

· Ensuring development of robust “early Warning” process

· Monitoring the portfolio on all “Performance Monitoring Triggers” and initiating corrective action, wherever required, including collaboration with Collections Team for portfolio management and reviews.

· Ensuring timely review / renewal of policies in adherence with Global Policies subject to current business environment and while keeping with regulatory requirements. Scorecard performance should also be monitored regularly.

· Maintaining / providing support for the MIS for the region – wherever required.

· Contribute towards continuous improvement of control processes by identifying and highlighting the gaps/risk.

· Ensure individual credits are assessed to identify any credit weakness, policy or regulatory violations by performing a comprehensive review of

· sampled new loans.

· Ensuring bank-wide risk is within acceptable range by working with IT and Non-Financial Risk teams in implementing and evidencing risk controls

· Minimum 5 years post qualification experience in risk management within the Financial Services Industry.

· Experience in managing fintechs would be added advantage .

· Recognized professional certification such as CFA, CIS, ACCA, ACA, CFP, IT Certifications, etc

· Excellent knowledge of consumer Credit products and processes, understanding of credit modeling techniques, and local regulatory environment.

· Excellent analytical thinking and capable in implementing challenging plans. Ability to analyze, interpret and elaborate data (quantitative analytical skills)

· Experience on credit decision engine / scorecards will be considered a plus


PHP 2 M – 2.9M