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Credit Risk Manager

Job Category:

BPO / KPO / Shared Services

Job Level:

Managerial

Open Date:

06-May-2019

Location:

TAGUIG CITY

Close date:

30-Jun-2019

Client Industry:

SHARED SERVICES

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 .

          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

          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 portlfolio 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.

          Ensuring timely review / renewal of policies

          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.


Special skills:

Minimum 5 years post qualification experience in risk management within the Financial Services Industry. Experience in managing fintechs would be added advantage .

Qualification : A good first and second degree in any discipline.

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.

Fluent in English

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 
Experience on lending via digital channels will be considered a plus 

Salary:

PHP 1M – 1.9M