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

Billease Bank, Inc. (A Rural Bank) (formerly Rural Bank of Santa Maria (Ilocos Sur), Inc., and referred to herein as the Bank) is a Bangko Sentral ng Pilipinas (BSP)-supervised rural bank, operating under the Billease brand as the banking arm of the Billease Group. 

The Bank operates alongside its affiliate, First Digital Finance Corporation (FDFC) — the SEC-registered financing company and BSP-registered Operator of Payment System that operates the Billease Buy Now, Pay Later (BNPL) and consumer-finance platform — to extend regulated deposit-taking, lending, and other banking services to Billease's underserved customer base. The Billease Group is backed by an experienced leadership team and by institutional equity backing that includes TPG's The Rise Fund. The Bank's growth strategy centers on complementing FDFC's consumer finance platform with regulated deposit and credit products, advancing the Group's financial-inclusion mission in a market where over 90% of the population remains underbanked.

Location: Hybrid; report onsite once a week and as needed (office in Makati City)

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