Our Mission

Our goal is for everyone to make bolder choices with their finances.

To get there, we're creating an all-in-one ecosystem of financial services for today's generation of goal-getters. That feat takes extraordinary people-those with the guts to challenge the way things are and transform them into something better.

To be part of Team Maya is to be Bolder for Better.

Description

What You Will Do

Own and drive the end-to-end credit strategy for the credit card portfolio — across acquisition, underwriting, limits, pricing, portfolio actions, instalment programs, and collections.
Own the credit risk and portfolio performance of the card book — managing the risk-return trade-off across receivables growth, credit losses, and provisioning to deliver healthy, risk-adjusted returns, in partnership with the business.
Set the credit risk appetite, guardrails, and decision principles, and govern the line-management strategy — initial limit assignment, credit line increases/decreases (CLI/CLD), over-limit and authorization strategy, and dynamic limit reallocation.
Assess macro-economic conditions (inflation, interest rates, employment, consumer stress indicators) and translate them into portfolio-level credit actions such as tightening/relaxing criteria, limit recalibration, and risk segmentation.
Partner with Product and Data Science teams to design, test, and scale credit strategies using internal, bureau, and alternative data.
Lead portfolio analyses across the card lifecycle — vintages, early delinquency, roll/flow rates, utilization, transactor-vs-revolver behavior, balance build, and profitability — and translate insights into action.
Own balance-build, instalment, and pricing levers (convert-to-instalment, balance conversion, re-pricing), define collections and recoveries strategy with the Collections team, and partner with the business on rewards and interchange economics.
Drive champion/challenger experiments, test governance, KPIs, and post-implementation reviews.
Build and lead a high-performing credit strategy and portfolio analytics team for the card, ensure compliance with BSP credit card regulation (incl. RA 10870), and present portfolio performance and risk to senior management, ManCom, and Board committees.

What We Are Looking For

12+ years of experience in credit risk, portfolio management, analytics, or credit strategy in a bank or fintech, with significant depth in credit cards or revolving consumer credit.
Strong understanding of the consumer lending lifecycle from acquisition through collections, including line management, instalment programs, and pricing.
Track record of owning portfolio quality and risk-adjusted returns — managing the risk-return trade-off, not just minimizing losses.
Good understanding of macro-economic environments and their impact on consumer credit performance.
Strong analytical and problem-structuring skills, with the ability to interpret insights and guide data-driven decisions (without hands-on coding).
Experience using bureau data, alternative data, scorecards, and decision engines to drive outcomes.
Knowledge of BSP / Philippine credit card regulation and industry best practice in consumer lending.
Proven people-leadership experience, with the ability to build and develop high-performing teams.
Strong stakeholder management and communication skills, with the ability to influence at senior and Board level.
Ability to operate in ambiguity and bring clarity across multiple products and stakeholders.
Bias for execution, experimentation, and continuous improvement in fast-moving environments.

Nice to Have

Experience in a digital bank or high-growth fintech.
Exposure to credit policy writing, regulatory governance, or IFRS 9 / PFRS 9 / ECL frameworks.
Experience working with AI/ML-driven credit models or large-scale credit testing programs (as a strategy or business owner).
FRM, CFA, or equivalent qualification.

About Us

Maya is the all-in-one money platform that is bringing Filipinos bolder ways to master their money. It is powered by a unique integrated financial services ecosystem that addresses the ever-evolving needs of today's generation of money makers through cutting edge technology. 

We lead millions of Filipinos — consumers, businesses, communities, and government agencies alike — into a version of the current digital economy that's more inclusive, transparent, and empowering than ever. 

We are powered by the country's only end-to-end digital payments company Maya Philippines, Inc. and Maya Bank, Inc. for digital banking services. 

Maya Bank, Inc. and Maya Philippines, Inc. are regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph/

Credit & Portfolio Senior Manager