Chief Credit Risk & Policy Architect

GoTyme PH (Philippines); Philippines; On-site; PHP 1,800,000 - 2,800,000; 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. You will lead a team to review underwriting policies and calibrate risk within regulatory guardrails, reporting to the CRO and engaging in governance forums.

The role requires 8-10 years in credit risk, strong quantitative skills, and prior fintech or digital banking exposure. You will drive risk-aware growth and ensure sound credit risk governance across the

Qualifications

• 8-10 years of experience in credit risk within financial services.
• Experience with model-driven consumer lending products such as personal loans, credit cards, BNPL.
• Hands-on experience with NPV-based credit economics.

Responsibilities

• Provide independent credit oversight and challenge underwriting policies.
• Govern credit policy and ensure regulatory compliance.
• Exercise co-decision authority on material credit decisions.
• Monitor risk appetite and portfolio performance.
• Lead forecasting and stress testing exercises.
• Oversee credit scoring models and data analytics environment.

Skills

Credit risk governance

Portfolio monitoring

Policy design

Data-driven decisioning

Stakeholder communication

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. You will lead a team to review underwriting policies and calibrate risk within regulatory guardrails, reporting to the CRO and engaging in governance forums.

The role requires 8-10 years in credit risk, strong quantitative skills, and prior fintech or digital banking exposure. You will drive risk-aware growth and ensure sound credit risk governance across the