Company Description OwnBank is a digital-first rural bank in the Philippines with a longstanding commitment to empowering communities through inclusive and accessible financial services. The bank focuses on delivering smart, simple, and secure banking experiences tailored to the needs of unserved and underserved populations. OwnBank bridges traditional banking with modern digital finance, providing customers with convenient and reliable ways to manage their money. Team members join a mission-driven organization that values innovation, financial inclusion, and customer trust. The bank offers opportunities to help shape the future of digital rural banking for Filipinos across the country.
Role Description The Chief Risk Officer (CRO) is a full-time, on-site role based in BGC, Taguig, Philippines. The CRO oversees the bank's enterprise-wide risk management framework, ensuring risks are identified, assessed, monitored, and mitigated across credit, market, operational, and compliance domains. Day-to-day responsibilities include leading risk assessments, setting risk appetite and limits, reviewing risk reports, and advising senior leadership and the Board on emerging risks and regulatory developments. The CRO collaborates closely with business, finance, compliance, and technology teams to design risk controls, support new product and digital initiatives, and integrate risk considerations into strategic planning. The role also involves building and mentoring a risk management team, enhancing risk policies and procedures, and fostering a strong risk culture throughout the organization.
Qualifications
- Demonstrated expertise in Enterprise Risk Management, including the design, implementation, and oversight of integrated risk frameworks.
- Strong background in Credit Risk Management for retail and commercial portfolios.
- Proficiency in Market Risk concepts and practices, including interest rate, liquidity, and foreign exchange risk measurement and monitoring.
- Solid understanding of Finance, banking products, and balance sheet dynamics to align risk strategies with financial performance.
- Advanced Analytical Skills, including data-driven decision-making, risk modeling, and interpretation of complex risk metrics.
- Extensive experience in senior risk leadership roles within banking or financial services, ideally in a regulated institution.
- In-depth knowledge of Philippine banking regulations, BSP requirements, and relevant risk management standards.
- Strong leadership, stakeholder management, and communication skills, with the ability to influence at Board and executive levels.
- Proven ability to work on-site in a collaborative environment and to build high-performing, diverse, and inclusive teams.
- Relevant academic background such as a degree in Finance, Economics, Business, Risk Management, or a related field; professional certifications (e.g., FRM, PRM, CPA) are an advantage.
