Chief Risk Head (Financial Services)

Monroe Consulting Group; Quezon City; Híbrido; PHP 3.000.000 - 5.000.000; Jornada completa

Descripción de la vacante

Monroe Consulting Group, an Executive Recruitment firm, partners with a leading organisation in the Professional Services sector to hire a Head of Credit Risk based in Quezon City, Philippines. This role offers a hybrid working arrangement.

You will design and oversee the credit risk framework, lead governance, ensure regulatory compliance, and collaborate with underwriting, sales, finance, and executive leadership to maintain portfolio integrity.

Formación

• Bachelor's degree in Accounting, Finance, or related field.
• CPA, CIA, or CRMP certifications preferred.
• At least 5 years in credit risk management, preferably in lending or banking.
• Strong knowledge of regulatory requirements and risk governance.

Responsabilidades

• Design and implement the credit risk framework to ensure portfolio quality.
• Lead policy reviews and updates in line with regulatory requirements.
• Define risk appetite and align credit strategies across units.
• Oversee the credit lifecycle from origination to collections with strong controls.
• Develop KRIs and present risk assessments to senior management.
• Collaborate with underwriting, sales, finance, and leadership.

Conocimientos

Credit risk management

Data analytics

Risk modelling

Leadership

Policy governance

Educación

Bachelor's degree in Accounting/Finance

Herramientas

Scorecards

Regulatory frameworks

Descripción del empleo

Monroe Consulting Group, an Executive Recruitment firm, is partnering with a leading organisation in the Professional Services sector to hire a Head of Credit Risk. This opportunity is based in Quezon City, Philippines, and offers a hybrid working arrangement.

Position Overview

The Head of Credit Risk Management is responsible for designing, implementing, and enhancing the organisation's credit risk framework to ensure the integrity, quality, and sustainability of loan portfolios.

This role plays a critical part in driving sound risk governance, supporting business growth, maintaining financial stability, and ensuring regulatory compliance across the organisation.

Key Responsibilities

Credit Risk Management

• Develop and oversee the credit risk management framework to ensure data-driven credit evaluation, risk assessment, and portfolio quality.
• Lead the periodic review and continuous improvement of credit risk policies, procedures, and guidelines in alignment with regulatory requirements and industry best practices.
• Define and monitor the company's credit risk appetite and ensure alignment of credit strategies across all business units.
• Oversee the entire credit lifecycle, from origination, evaluation, and documentation to account management and collections, ensuring that controls are in place to mitigate risk at each stage.
• Ensure consistency in the implementation of credit risk controls across all teams, in line with corporate objectives.

Modelling and Predictive Analytics

• Regularly review and calibrate credit risk modelling tools, including scorecards and risk acceptance criteria, to reflect emerging risk patterns and maintain predictive accuracy.
• Drive the adoption of data analytics in credit risk monitoring and decision-making to ensure proactive risk management.

Monitoring and Reporting

• Provide timely and actionable insights into portfolio performance, delinquency trends, and market dynamics that may impact credit quality.
• Develop Key Risk Indicators (KRIs) and maintain a system for tracking and reporting exceptions to credit policy or risk tolerance thresholds.
• Present credit risk assessments and mitigation actions to senior management and relevant committees.

Policy Compliance and Governance

• Promote a culture of compliance and accountability by embedding risk awareness into operational practices and decision making.
• Ensure adherence to internal controls, regulatory requirements, and company policies related to credit risk and portfolio management.

Stakeholder Collaboration

• Collaborate closely with underwriting, sales, finance, collections, and executive leadership to align risk strategies with overall business goals.
• Provide expert advisory support to business units on credit risk issues and elevate concerns when necessary to maintain portfolio integrity.

Leadership and Capacity Building

• Lead and mentor a high-performing credit risk management team to support execution of the risk strategy.
• Define clear roles and responsibilities within the credit risk function to ensure operational efficiency and accountability.
• Champion ongoing training and capability development to strengthen the company's overall credit risk culture.

Key Requirements

Qualifications & Experience

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.
• Professional certifications such as CPA, CIA, or CRMP are highly preferred.
• Relevant training, licences, or certifications are advantageous but not required.
• At least 5 years of solid experience in credit risk management, preferably within the financing, lending, or banking industry.

Technical / Functional Expertise

• Strong understanding of credit risk principles, internal controls, and relevant regulatory requirements (e.g. SEC, BIR, CIC).
• Familiarity with compliance standards and policy development.
• Proven expertise in risk assessment methodologies and credit evaluation frameworks, with the ability to design and implement risk mitigation strategies.
• Ability to develop and implement risk-based audit plans and conduct effective risk assessments.
• Proven ability to translate regulatory changes into actionable internal policies and processes.
• Ability to work across departments, ensuring alignment on compliance and risk management objectives.
• Experience with credit risk modelling, scorecards, risk acceptance criteria, predictive analytics, and portfolio risk monitoring.

Soft Skills & Leadership Competencies

• Strong organisational, problem-solving, and decision-making skills.
• Excellent stakeholder management and collaboration capabilities.
• Strong leadership ability to mentor and guide teams in achieving audit and compliance objectives.
• Ability to drive a culture of accountability, compliance, and risk awareness across the organisation.
• Strong communication and presentation skills, including the ability to provide risk advice to senior leadership and governance committees.