Position title
Head Of Credit
Description
- This is a new role for our digital bank in the Philippines. The job holder will actively collaborate with our parent company Paymaya Philippines to build a robust credit & fraud risk management infrastructure and define the credit risk management framework for the Digital Bank.
- The job holder will be responsible for delivering credit risk management strategy- primarily focused on Consumer, MSME/SME segments, while collaborating with other functions such as Product, IT, Operations, Finance/Accounting, Treasury, Legal, Compliance in the bank's set-up.
- Establish the overall Credit & Fraud management platform- leveraging technology and data. The platform will facilitate a dynamic, data and technology driven credit management program with automated controls embedded as a part of the platform design.
- Define credit strategies. Establish credit risk appetite and thresholds for the product portfolio
(in partnership with Lending Business Head)
- Develop a comprehensive process and build credit risk monitoring and control systems for assessing, identifying and reducing credit risk
- The candidate will be conversant with the Basel framework -especially, Basel II and III and working knowledge of Basel IV requirements.
- Together with team reports, the candidate will conduct real time industry research to identify and analyze emerging risks and associated trend,
- Help set up the Collection infrastructure, strategy & policies, org. structure, monitoring and performance management.
- Draft and develop risk management policies, reviewing and updating it to comply with local/international banking law updates.
- Develop SOPs for measuring, monitoring, evaluating and mitigating risk exposure of the bank.
Qualifications
- 10+ years experience in Consumer and MSME/SME Credit with Data Analytics and Technology as the pivot- covering the full credit cycle.
- Strong Quantitative skills with Credit Scoring, Credit Strategy, Risk/Response experience through credit cycles.
- Strong Experience in Credit Loss Forecasting
- Experience in using traditional and alternate data to drive credit strategies.
- Experience in fast paced consumer lending credit products- proven expertise in setting and executing dynamic champion/Challenger programs.
- Someone who can see the big picture, yet detailed oriented.
- A creative problem solver.
- Have an eye for turning complex problems into robust solutions .
- Highly collaborative, and can communicate openly and respectfully.Comfortable in fast paced environments, and highly adaptable.
- Familiarity with mass consumer and SME/MSME segment in Philippines a plus.
- Experience with a fast paced Fintech and an ability to manage through VUCA ( Volatile Uncertain, Complex, Ambiguous) environment a distinct advantage.
- Exceptional interpersonal and communication skills.
- Excellent leadership skills with experience leading cross-functional teams.
- The ability to manage time and schedules to meet aggressive deadlines and influence through persuasive written and verbal communication.
EXPECTED RESULTS
- Design and Deliver the Credit Risk Management Platform for the Bank
- Develop Credit Policy & Strategy for the Consumer & SME/MSME Products
- Deliver the Credit P&L numbers- NPL, Write-off, ECL.
REQUIRED QUALIFICATIONS
- 10+ years Consumer & SME/MSME Credit Experience
- 5+ years experience in a Lending Fintech a distinct plus
- Experience in High Velocity, High Volume Mass Consumer Digital- a distinct plus.
- MBA/Post Graduate in Computer Science/Statistics or similar Quantitative/Technology fields
Hiring organization
PayMaya is the only end-to-end digital payments ecosystem enabler in the Philippines, with platforms and services that cut across consumers, merchants, communities, and government.
Employment Type
Full-time
Industry
Financial Services
Job Location
Mandaluyong, National Capital Region, Philippines
Date posted
November 12, 2021
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