Chief Credit Risk Architect

Internetwork Expert; Philippines; On-site; PHP 5,000,000 - 9,000,000; Full time

Job summary

GoTyme Bank is seeking a Head of Credit Risk to act as the independent second line of defence for the consumer lending portfolio. Reporting to the CRO, you will collaborate with lending heads to grow the book responsibly within risk appetite and regulatory requirements.

You will lead the governance of credit policies, calibrate risk appetite, and drive independent portfolio reviews, stress testing, and model oversight in a fast-paced digital banking environment.

Qualifications

• 8–10 years of experience in credit risk within financial services.
• Proven expertise in credit models, policy, and risk governance.
• Experience with digital banking or fintech environments is a plus.

Responsibilities

• Independent oversight of credit policies, underwriting and collections.
• Governance of Credit Risk Management policies and procedures.
• Shared decision authority on material policy exceptions and exposure limits.
• Define risk appetite metrics and monitor adherence and escalation.
• Conduct periodic independent portfolio assessments and challenge business assumptions.
• Ensure proper provisioning, including ECL, staging, and overlays.
• Lead forecasting, stress testing, and capital/provisioning implications.
• Review and guide credit scoring models and decision platforms.
• Promote sound governance culture across the organization.
• Oversee people, processes, reporting and tools for credit management.

Skills

NPL metrics

IFRS 9

SQL

Python

Data analysis

ML credit models

AI agents

Tools

SQL

Python

Job description

GoTyme Bank is seeking a Head of Credit Risk to act as the independent second line of defence for the consumer lending portfolio. Reporting to the CRO, you will collaborate with lending heads to grow the book responsibly within risk appetite and regulatory requirements.

You will lead the governance of credit policies, calibrate risk appetite, and drive independent portfolio reviews, stress testing, and model oversight in a fast-paced digital banking environment.