B2B Portfolio Risk Manager

Globe Telecom, Inc.; Metro Manila; On-site; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Career growth opportunities

Collaborative team environment

Competitive compensation and benefits

Job summary

Globe Telecom, Inc. through GCash seeks a Credit Risk Analyst to manage commercial lending portfolios in a FinTech setting. You will lead a group of B2B risk analysts and produce credit risk reports to monitor portfolio quality.

The role requires knowledge of credit risk principles, data analytics, and SQL data management to influence decisions and ensure compliant financing practices across markets.

Qualifications

• 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.

Responsibilities

• Perform credit risk management functions on commercial lending portfolios.
• Lead and develop a group of B2B portfolio risk analysts.
• Generate credit risk related reports to monitor portfolio quality; perform ad hoc analysis as required.

Skills

Credit risk principles

Data analytics

SQL

Data management

Financing policies & regulations

Tools

SQL

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

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

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

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

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 is the #1 Finance App in the Philippines.

Through the GCash App, 81M registered users can easily purchase prepaid airtime; purchase from over 6M partner merchants and social sellers; send and receive money anywhere in the Philippines, even to other bank accounts; pay bills at over 1,800 partner billers nationwide; and get access to savings, credit, loans, insurance and investments, and so much more, all at the convenience of their smartphones.

GCash is a wholly-owned subsidiary of Mynt (Globe Fintech Innovations, Inc.) since 2015. Mynt, Inc. is the parent company of GCash, the Philippines’ #1 finance superapp, advancing financial inclusion through ‘Finance for All’. G-Xchange, Inc. (GXI) is the payments company for GCash. GXI is a BSP-licensed e-money issuer responsible for the digital payments and electronic money activities in the GCash app. Fuse Financing, Inc. is the financing company for GCash. Fuse provides eligible users with access to fair and digitally-enabled credit products and solutions. Ryse, Inc. broadens access to investments that are easy to use and understand, supporting wealth-building for Filipinos at different stages of their financial journey. BlockG Virtual Assets, Inc. supports responsible participation in digital assets, helping build trust and long-term confidence in the continuously evolving digital landscape.