Credit Decision Head

SB Finance; Makati; On-site; PHP 800,000 - 1,600,000; Full time

Job summary

SB Finance is seeking a Credit Decision Head to lead the Credit Decision Team, overseeing daily operations, ensuring business continuity and adherence to underwriting guidelines across consumer lending products.

You will drive process improvements, monitor performance, and coordinate with auditors while developing training initiatives to keep staff up to date and skilled in risk assessment and decision making.

Qualifications

• At least 5 years of relevant experience in credit or lending operations.
• Bachelor's degree in Business Administration/Management/Commerce/Finance or related field.
• Strong communication and presentation skills.
• Knowledge of end-to-end consumer lending credit process.
• Leadership and training capabilities.
• MIS and data analysis experience.
• Underwriting skills and risk awareness.
• Good time management and organizational skills.

Responsibilities

• Monitors and manages Credit Officers and the Credit Investigation Team.
• Reviews, assesses, and renders decision on Credit Evaluation and Credit Investigation concerns and provides necessary resolutions and/or action plans.
• Ensures compliance with policies and procedures using the operations manual and underwriting guidelines to control risk.
• Manages and responds to all compliance and audit related activities in coordination with other units.
• Creates initiatives to help upskilling of personnel to ensure they are updated and equipped with all trainings.
• Monitors productivity, service delivery and quality of work to achieve target.
• Proactively identify, plan, and implement initiatives to improve productivity and quality.
• Performs other related tasks which may be assigned from time to time.

Skills

Communication

Leadership

Data Analysis

Underwriting

Time Management

Credit Process

Education

Bachelor's degree

Job description

About the job

As Credit Decision Head, you are responsible for managing the operations of the Credit Decision Team. Oversees and takes responsibility for the overall performance of the team. Manages shift schedule of the Credit Officers to ensure business continuity and consistent service delivery. Devises plans in support of the company’s business goals and has direct control of its implementation. Directs and supports the overall activity / operations of the department within the limits of company guidelines and policies.

How you'll contribute

• Monitors and manages Credit Officers and the Credit Investigation Team.

• Reviews, assesses, and renders decision on Credit Evaluation and Credit Investigation concerns and provides necessary resolutions and/or action plans to address challenges as well as resolve issues rendering sound judgement

• Ensures compliance with policies and procedures using the operations manual and underwriting guidelines to control risk and proper controls are in place and

• Manages and responds to all compliance and audit related activities in coordination with other units.

• Creates initiatives to help upskilling of personnel to ensure they are updated and equipped with all the necessary trainings to be able to perform their respective duties.

• Monitors productivity, service delivery and quality of work to achieve target.

• Proactively identify, plan, and implement initiatives to achieve or improve productivity, service delivery, and quality of work

• Performs other related tasks which may be assigned from time to time as deemed necessary.

What we’re looking for

• At least 5 yrs. relevant experience

• Bachelor's degree in Business Administration/Management/Commerce/Finance, or any related field

• Good communication and presentation skills

• Knowledge on overall end to end credit process of consumer lending products

• Leadership & Training skills

• Back Office Underwriting Operations

• MIS and Data Analysis

• Underwriting skills

• Time management