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Open nowFirst seen 5 days ago

Head of Credit Risk

PM Consulting1,489 open roles

Where
Makati City, Metro Manila, Philippines
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Your applicationOpen nowHead of Credit RiskPM Consulting · Makati City, Metro Manila, Philippines

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on PM Consulting's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

12.3% of postings close within 7 days. Measured by our own scanner across the market. PM Consulting postings stay open a median of 1 days.

Share of postings closed within
  1. 2.1%1 day
  2. 4.5%3 days
  3. 12.3%7 days
  4. 19.3%14 days
  5. 35.6%30 days
  6. 58.1%60 days
This job: first seen 5 days ago

PM Consulting median: 1 days open

The posting

Key Responsibilities

Credit Risk Governance & Underwriting Oversight

  • Program & Policy Development: Formulate, refine, and enforce credit risk policies, underwriting criteria, terms and conditions, and exposure limits aligned with the bank's approved risk appetite and regulatory guidelines.
  • Underwriting Governance: Oversee the credit underwriting process to ensure comprehensive due diligence, financial statement analysis, and risk scoring are performed prior to loan approvals.
  • Portfolio Risk Assessment: Evaluate overall risk levels associated with extending credit to retail, microfinance, or corporate borrowers.

Portfolio Health & Regulatory Compliance

  • Portfolio Monitoring: Continuously analyze loan portfolio performance to detect early warning indicators of credit concentration, default trends, or portfolio imbalances.
  • Loss Mitigation & Collections Alignment: Partner closely with business units, credit operations, and collections departments to manage non-performing assets (NPAs), reduce delinquency rates, and mitigate default losses.
  • Regulatory Compliance & Reporting: Ensure full alignment with BSP credit risk directives and local banking laws. Prepare and present comprehensive credit risk metrics and board-level risk reports to Executive Management and the Board of Directors.

Departmental Leadership

  • Team Leadership: Lead, evaluate, and mentor credit risk officers, managing operational workflows, training programs, and performance appraisals.
  • Strategic Input: Recommend departmental plans, operational budgets, and risk mitigation initiatives aligned with overall bank growth targets.

Requirements

Education & Experience

  • Education: Graduate of Finance, Accounting, Economics, Business Administration, or a related quantitative field. A Master's Degree (MBA/MS) or formal risk management/finance certifications are highly desirable.
  • Tenure: Minimum of 5+ years of dedicated professional experience in credit risk management within a bank, lending institution, or regulated financial entity.

Technical & Functional Competencies

  • Credit Analysis: Deep expertise in credit underwriting, quantitative financial analysis, debt capacity modeling, and borrower evaluation.
  • Regulatory Knowledge: Solid understanding of BSP rules and regulations governing credit risk management, loan loss provisioning, and asset classification.
  • Portfolio Management: Proven ability to manage credit metrics, mitigate NPLs/delinquency, and present risk insights to executive leadership.
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    The review screen in CV Rocket: how each CV was read, round by round.

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