- 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
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