Credit Card Portfolio Leader

About the Role

We're looking for a leader who can own and scale end-to-end credit strategy for our credit card business. This is a high-impact role where you will directly shape portfolio performance, customer experience, and long-term growth. If you thrive in fast-moving environments, think in systems, and make data-driven decisions at scale, this role is for you.

What You Will Do:

• Lead the end-to-end credit strategy across the entire credit card lifecycle — from acquisition and underwriting to credit limits, pricing, instalment programs, and collections.
• Own portfolio performance, balancing growth and risk to deliver sustainable, risk-adjusted returns.
• Define risk appetite, decision principles, and portfolio guardrails, including credit line management, authorisation strategies, and dynamic limit allocation.
• Monitor macroeconomic trends (e.g. inflation, interest rates, employment conditions) and convert insights into actionable credit strategies.
• Partner closely with Product and Data Science teams to design, test, and scale strategies using internal, bureau, and alternative data sources.
• Analyse portfolio performance across key dimensions such as vintages, delinquency trends, utilisation, customer behaviour, and profitability — and turn insights into clear actions.
• Optimise balance growth and revenue levers, including instalment programs, pricing strategies, and balance conversion initiatives.
• Define collections and recoveries strategies in collaboration with Collections teams to improve overall portfolio outcomes.
• Build a culture of experimentation through structured testing, including champion/challenger frameworks, performance tracking, and post-implementation reviews.
• Build and lead a high-performing team focused on credit strategy and analytics.
• Ensure compliance with BSP regulations, including RA 10870, and clearly communicate portfolio performance to senior leadership and board-level stakeholders.

What You Need to Succeed:

• 12+ years of experience in credit risk, portfolio management, analytics, or credit strategy within banking or fintech.
• Deep expertise in credit cards or revolving consumer lending.
• Strong understanding of the full consumer lending lifecycle — including acquisition, line management, instalment programs, pricing, and collections.
• Proven track record of managing portfolio performance and delivering strong risk-adjusted returns.
• Solid understanding of how macroeconomic conditions impact consumer credit behaviour.
• Strong analytical thinking with the ability to translate complex data into clear, actionable decisions.
• Experience working with bureau data, alternative data, scorecards, and decision systems.
• Knowledge of BSP regulations and local credit industry practices in the Philippines.
• Demonstrated ability to hire, lead, and develop high-performing teams.
• Strong stakeholder management skills, with experience influencing senior leadership and board-level discussions.
• Comfortable operating in complex, evolving environments with multiple stakeholders.
• Execution-focused mindset with a strong bias for testing, learning, and continuous improvement.

Nice to Have:

• Experience in a digital bank or high-growth fintech environment.
• Exposure to credit policy development, regulatory governance, or IFRS 9 / PFRS 9 / expected credit loss frameworks.
• Familiarity with AI/ML-driven credit models or large-scale experimentation frameworks.
• Professional certifications such as FRM, CFA, or equivalent.