Credit Head

Discovery Capital Finance Corp.; Taguig; On-site; PHP 1,800,000 - 3,000,000; Full time

Benefits offered by this job

Paid training

Promotion to permanent employee

Job summary

Discovery Capital Finance Corp. is seeking a Head of Credit to lead a team of Credit Evaluators and Credit Investigators, driving end-to-end loan processing with rigorous risk standards.

You will oversee SLA adherence, conduct audits, and ensure accurate underwriting for unsecured and real estate mortgage loans while collaborating with legal and appraisal teams to secure proper documentation.

Qualifications

• Broad leadership experience in credit evaluation/ investigation teams.
• Strong analytical skills for complex financial statements and risk assessment.
• Experience maintaining SLA targets and process improvements in lending.

Responsibilities

• Directly supervise Credit Evaluators (CEs) and Credit Investigators (CIs).
• Establish daily workflow targets and monitor application pipelines with strict SLA adherence.
• Conduct quality audits of credit investigation reports and evaluation sheets.
• Assess risk parameters for unsecured loans and income stability.
• Review and approve loan applications within credit authority limits (clean and REM).
• Analyze financials, capacity-to-pay models, and risk for higher-ticket loans.
• Verify title authenticity, encumbrance checks, and collateral viability with CIs for REM.
• Identify fraud patterns and bottlenecks; implement preventive measures.
• Collaborate with legal and appraisal teams for sound loan documentation.
• Generate weekly/monthly credit quality and delinquency metrics for leadership.

Skills

Team leadership

Credit evaluation

Financial analysis

Risk modeling

Loan management software

Education

Bachelor's degree in Finance, Accounting, Business Administration, Banking, or a related field

Tools

Loan management software

Job description

About the role

The Head of Credit leads and oversees the Credit Evaluators (CEs) and Credit Investigators (CIs) in end-to-end loan application processing. This role is responsible for driving team performance, maintaining strict risk assessment standards, and optimizing turnaround times across both uncollateralized (clean) and real estate mortgage (secured/REM) loan portfolios.

Key responsibilities

• Directly supervise, mentor, and evaluate the performance of Credit Evaluators (CES) and Credit Investigators (CIs)
• Establish daily workflow targets, monitor application pipelines, and ensure strict adherence to SLA turnaround times for both clean and secured loans
• Conduct regular quality audits on credit investigation reports and evaluation sheets to ensure accuracy, thoroughness, and compliance with company policies
• Assess risk parameters for clean loans (unsecured exposure, behavioral scoring, character assessment, and income stability)
• Review and approve/recommend loan applications within established credit authority limits for both clean and REM-backed loans
• Analyze complex financial statements, capacity-to-pay models, and risk profiles for higher-ticket secured loan applications
• Verify title authenticity, encumbrance checks, property valuation reports, and collateral viability alongside CIs for all REM transactions
• Identify fraud patterns, systemic risks, and operational bottlenecks, implementing proactive preventive measures
• Collaborate with legal and property appraisal teams to ensure clean titles, proper mortgage annotations, and legally sound loan documentation
• Generate weekly and monthly credit quality, approval rate, approval-to-release ratio, and delinquency metrics for executive leadership

About you

• Minimum of 5-7 years in credit evaluation and investigation within banking, financing, or microfinance sectors, with at least 3 years in a managerial or supervisory capacity
• Deep knowledge of both unsecured (clean) lending products and real estate mortgage (REM) loan underwriting, title verification, and appraisal processes
• Strong financial analysis capabilities, risk modeling, and proficiency in loan management software
• Proven track record of managing field investigators and credit analysts to meet operational SLAs without compromising risk standards
• Bachelor's degree in Finance, Accounting, Business Administration, Banking, or a related field

Benefits

• Paid training
• Promotion to permanent employee