RBSM - Credit Management Head



Credit Management Head

Remote with Periodic RTO in Metro Manila, Philippines

Industry: Banking

• We are seeking a highly experienced and strategic Credit Management Head to lead our credit risk strategy, policy development, underwriting functions and collections monitoring.
• In this pivotal role, you will be responsible for building and optimizing credit processes, developing advanced credit scoring models, and implementing data-driven decision frameworks to support sustainable growth in our consumer lending portfolio.

Key Responsibilities:

Credit Policy & Risk Frameworks:

• Develop, implement, and continuously improve credit policies, risk assessment frameworks, and underwriting standards to ensure sound portfolio performance.

Credit Modeling & Analytics:

• Lead the design, review, and iteration of credit models, including alternative behavioral scoring and the integration of mobile payments data.

Underwriting Oversight:

• Oversee the credit underwriting process, ensuring adherence to established policies and achieving optimal turnaround times without compromising risk quality.

Portfolio Review & Risk Management:

• Conduct periodic portfolio reviews to identify trends, emerging risks, and opportunities for policy adjustments.

Cross-Functional Collaboration:

• Work closely with product, data, and analytics teams to develop innovative credit decision tools and leverage alternative data sources.

Performance Monitoring:

• Monitor and analyze credit performance metrics to ensure portfolio health and compliance with regulatory requirements.

Continuous Improvement:

• Drive continuous improvement initiatives using advanced data analytics and market insights.

Team Leadership:

• Build, mentor, and lead a high-performing credit management team.

Ideal Candidate Profile

• At least 8 to 10 years of experience in credit risk management, underwriting, and policy development in consumer lending, ideally within fintech, retail, digital banking, or established financial institutions.
• Strong understanding of credit scoring models, behavioral scoring, and mobile payment data usage.
• Proven expertise in data analytics and translating insights into actionable strategies.
• Experience with alternative data-driven credit models is highly preferred.
• Strong leadership skills and ability to collaborate cross-functionally.
• Candidates from leading digital banking/fintech platforms are highly desirable.

Preferred Background

• Experience in established consumer lending institutions (large banks or top fintech companies).
• Exposure to digital payments ecosystems and alternative credit evaluation methods