Credit Strategy & Policy Development
Develop, implement, and monitor end-to-end credit risk strategies for mobile device installment plans (including 0% interest, 6/9/12-month terms)
Design and calibrate risk-based pricing and down payment requirements tailored to different customer segments
Define credit policies regarding loan amounts, tenors, and required documentation for the Philippine market (e.g., valid government IDs, proof of billing, employment verification)
Lead the development and validation of credit scoring models. Given the thin-file nature of the Philippine market, leverage telco data, utility payment history, and other alternative data sources alongside traditional credit bureau data (CIBI, TransUnion)
Identify and integrate new alternative data sources (e.g., GCash transaction history, e-commerce behavior, social media footprint) to expand the addressable market safely
Work with engineering teams to automate decision-making engines and implement real-time underwriting systems
Portfolio Management
Monitor portfolio health through key performance metrics including:

Delinquency rates (30/60/90+ DPD)
Roll rates (30+ to 60+, 60+ to 90+)
Non-performing loan (NPL) ratio
Charge-off and recovery rates
Approval rates by segment
Risk-adjusted return on capital (RAROC)

Segment the portfolio and implement dynamic collection strategies (early-stage, late-stage, digital collections)
Optimize collection scoring models to prioritize high-risk accounts for external collection agencies or legal recovery
Develop early warning systems to identify deteriorating portfolio trends before they materialize into losses
Fraud Prevention & Device Risk Management
Collaborate with the fraud team to identify and mitigate first-party and third-party fraud rings common in the gadget financing space (e.g., synthetic identities, device flipping, identity theft, application fraud)
Implement device-level tracking and blacklisting protocols for unpaid devices
Design and implement a Device Lock/Kill Switch mechanism to remotely disable financed devices upon payment default
Establish device resale value assessment and collateral risk mitigation strategies
Regulatory Compliance
Ensure all credit processes comply with regulations set by the Securities and Exchange Commission (SEC) , including:

SEC Memorandum Circular No. 14, Series of 2025 (effective April 1, 2026): caps on effective interest rate at 12% per month, nominal interest rate at 6% per month, and total cost cap where the sum of all interest and fees cannot exceed 100% of the principal for unsecured loans of PHP 10,000 or less with repayment terms up to four months
Adherence to late payment penalty caps at 5% per month on the outstanding scheduled amount due
Compliance with the proposed lifting of the OLP moratorium (expected in 2026) and the associated stricter capitalization, disclosure, and consumer protection requirements for online lending platforms

Ensure compliance with the Data Privacy Act of 2012 (RA 10173) and NPC regulations governing collection, processing, and cross-border transfer of borrower personal data
Comply with Anti-Money Laundering Council (AMLC) requirements, including customer due diligence (KYC), record-keeping, and suspicious transaction reporting
Ensure compliance with the Financial Products and Services Consumer Protection Act (RA 11765) , including fair lending practices, transparent fee disclosure, and responsible collection conduct
Comply with SEC MC No. 19, Series of 2019 prohibiting unfair debt collection practices
Maintain compliance with the Truth in Lending Act (RA 3765) disclosure requirements
Register with the Credit Information Corporation (CIC) , submit borrower credit data, and access CIC credit information as part of the underwriting process
Manage relationships with external auditors and regulators regarding credit risk reporting
Team Leadership
Recruit, train, and mentor a local team of credit analysts, risk operations staff, and collection specialists
Foster a culture of data-driven experimentation (A/B testing) and continuous improvement
Establish clear KPIs and performance targets for the risk management team
Provide regular risk reports and strategic recommendations to senior management and the Board
Partner & Merchant Risk Management
Develop risk assessment frameworks for retail partners and merchants offering mobile phone installment plans
Monitor merchant performance and identify potential partner fraud or chargeback risks
Establish policies for merchant onboarding, ongoing monitoring, and termination based on risk performance

Qualifications

Education & Professional Qualifications

Bachelor's degree in Finance, Statistics, Mathematics, Economics, Business Administration, or a related quantitative field
MBA or Master's degree in a quantitative discipline (Finance, Data Science, Economics, or Statistics) is a strong advantage
Professional certifications in risk management (e.g., FRM, PRM) are advantageous

Experience

Minimum 5–8 years of experience in Credit Risk Management, with at least 3 years in Fintech, Consumer Finance, Retail Banking, or BNPL lending in the Philippines
Must have direct experience with the Philippine consumer credit market and regulatory environment
Proven track record of managing a consumer loan portfolio (preferably unsecured consumer durables or gadget financing) in the Philippines
Experience in developing and validating credit scorecards and risk models using both traditional and alternative data sources
Experience working with credit bureaus (CIBI, TransUnion) and alternative data providers
Prior experience leading a risk management team of at least 3-5 members

Powered by JazzHR

c6gg8ie3J0

Credit risk head/Manager