Credit Risk Officer, Billease Bank Inc. (A Rural Bank)

Billease Bank, Inc. (A Rural Bank) — formerly Rural Bank of Santa Maria (Ilocos Sur), Inc. — is a BSP-supervised rural bank and the banking arm of the Billease Group, backed by investors including TPG's The Rise Fund. Alongside affiliate First Digital Finance Corporation (FDFC), operator of the Billease BNPL platform, the Bank brings regulated deposit and lending products to the Philippines underbanked majority.

Responsibilities

• Lead the calculation, monitoring, and enhancement of Expected Credit Loss (ECL) methodologies.
• Analyze portfolio performance, credit quality, delinquency trends, and key credit risk metrics.
• Conduct portfolio segmentation, vintage analysis, roll-rate analysis, and other risk analytics to identify emerging credit risks.
• Develop and monitor Early Warning Indicators (EWI) to proactively detect portfolio deterioration.
• Perform stress testing, scenario analysis, and sensitivity analysis to assess portfolio resilience.
• Prepare regular credit risk reports and dashboards for senior management and key stakeholders.
• Recommend improvements to credit policies, underwriting strategies, and portfolio management based on data-driven insights.
• Support regulatory reporting and ensure compliance with applicable BSP regulations.
• Partner with Finance, Lending, Collections, Data Analytics, and Product teams to optimize portfolio performance and risk management.
• Continuously improve credit risk methodologies, reporting automation, and analytical processes.

Required

• Bachelor's degree in Finance, Economics, Accounting, Risk Management, Mathematics, Statistics, or a related field.
• At least 5 years of experience in Credit Risk, Portfolio Risk, Risk Analytics, or Credit Risk Modeling within banking, fintech, lending, or financial services.
• Strong knowledge of Expected Credit Loss (ECL) and credit risk provisioning methodologies.
• Strong analytical skills with experience handling large datasets and translating findings into actionable business recommendations.
• Experience performing portfolio analysis, stress testing, and credit performance monitoring.
• Working knowledge of BSP regulations
• Proficiency in SQL, Excel, or other analytical/reporting tools is highly preferred.
• Familiarity with credit scoring models and portfolio monitoring methodologies is an advantage.
• Excellent communication skills with the ability to present complex analytical findings to both technical and business stakeholders