B2B Portfolio Risk Manager

GCash; Metro Manila; On-site; PHP 1,000,000 - 1,800,000; Full time

Job summary

GCash in Manila seeks a Credit Risk Manager to oversee commercial lending portfolios, lead a team of risk analysts, and recommend policy changes to strengthen portfolio quality.

You will track performance, generate risk reports, and perform ad hoc analyses, using data analytics and SQL to drive informed decisions in a dynamic fintech environment. This role collaborates with product, operations, and analytics teams to balance growth with prudent risk management in the Philippine market.

Qualifications

• Knowledge of credit risk principles and data analytics to influence data driven decisions in managing portfolio quality.
• Knowledge of financing policies and regulations.

Responsibilities

• Perform credit risk management functions on commercial lending portfolios
• Lead and develop a group of B2B portfolio risk analysts
• Recommend policy changes to address commercial lending portfolio deterioration
• Track performance against benchmark and measure impact of implemented strategies
• Identify shifts in market/merchant behavior to create growth opportunities

Skills

Credit risk principles

Data analytics

Financing policies and regulations

Tools

SQL

Data management

Job description

Do you want to take the first step in making Filipinos’ lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation! G ka ba? Join the G Nation today!

Overall Duties And Responsibilities

Does

The tasks / responsibilities that the role performs to address requirements in Key Result Areas

• Perform credit risk management functions on commercial lending portfolios
• Lead and develop a group of B2B portfolio risk analysts
• Recommend policy changes to address commercial lending portfolio deterioration
• Track performance against benchmark and measure impact of implemented strategies
• Identify shifts in market/merchant behavior to create growth opportunities

Displays

The Knowledge, Skills, and Behaviors indicating how tasks / responsibilities will be performed

• Knowledge of credit risk principles and data analytics to influence data driven decisions in managing portfolio quality
• SQL and data management skills should be helpful in ensuring efficiency in tasks and in assisting other teams
• Knowledge on financing policies and regulations.

Delivers

specific outputs / tangible results produced by the role; resources responsible for

• Identify potential issues in the portfolio and engage necessary parties to minimize impact
• Recommend strategies/actions to support business goals while ensuring portfolio quality is maintained
• Generate credit risk related reports to monitor portfolio quality
• Perform adhoc analysis as required

KEY RESULT AREAS & PERFORMANCE INDICATORS

Customer

How does the role ensure internal/external customer satisfaction?

• Internal Customers: Role ensures that business goals are met by increasing good receivables and maintaining profitability. Balancing risk and reward ensures that business growth is sustainable and is aligned with providing financial services to all markets.
• External Customers: Data driven approach helps in identifying the right product (right pricing, right loan amount, right construct) for various market segments to help customers in addressing their financial needs.

Financial

How does the role contribute to the company’s bottomline?

• By making sure that financial losses are kept within budget and growth opportunities are maximized, financials of the products should be kept at a healthy state.

Process

How does the role contribute to improvement of internal processes and increase efficiency?

• Knowledge of coding and handling large amounts of data contributes to minimizing having manual approaches and having processes that can keep up with business demands.

People

How does the role contribute to organization culture and self-learning and growth?

• The role will have multiple exposure to various teams within the lending space and the overall GCash environment. Working on lending strategy will be in close coordination with product teams, operations, credit analytics, and the leadership team. This presents a wide learning opportunity to expand knowledge beyond credit risk and appreciate how the business runs as a whole.

What We Offer

• Opportunity for career growth and development in the #1 FinTech company in the country
• Working with a dynamic and highly collaborative team who want to change the game
• A company that values their people with highly competitive and flexible compensation and benefits package