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Head Credit Risk

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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 Fintech for partnerships.
  • Coordination and alignment with Credit Operations, Product Development and Customer Intelligence on ongoing basis
  • Facilitate risk assessment on new products development and launch as per business plans
  • 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 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.
  • 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.
  • Collections: Coordinate with the team members to ensure developing robust collection processes and controls.


·          Minimum 10-12 years post qualification experience in risk management within the Financial Services Industry. Experience in managing fintech would be added advantage.


- A good first and second degree in any discipline.

Professional Membership

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


PHP 3M – 3.9M