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Retail Credit Risk Head (Financial Services)

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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 .

        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 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 thegaps/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 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

·         Experience on lending via digital channels will be considered a plus


PHP 2 M – 2.9M