Credit Management Division Head

Philsearch Consulting, Inc.; Philippines; On-site; PHP 3,000,000 - 5,000,000; Full time

Job summary

Philsearch Consulting, Inc. is assisting a leading local savings bank in the Philippines in recruiting a Credit Management Division Head.

The role will oversee Consumer Credit, Credit Evaluation, Micro & Small Credit, and Credit Investigation & Appraisal functions. The candidate will lead the division’s credit strategy, policies, and risk management, review credit policies for regulatory compliance, and participate as a member of the Credit Committee to evaluate significant proposals.

Qualifications

• Graduate of a business-related course.
• 10+ years of solid experience in credit review, loan evaluation, or risk management.
• Experience in banking, especially savings, commercial, or universal banks.

Responsibilities

• Lead the division’s credit strategy, policies, and risk management.
• Review and enhance credit policies and procedures to meet regulatory requirements.
• Participate in Credit Committee meetings to evaluate high-value proposals.
• Identify risks in complex proposals and recommend risk mitigations.
• Ensure compliance with BSP MORB, MORB, CAR, and related regulations.
• Drive improvements in credit processes, portfolio quality, and turnaround time.
• Strengthen collaboration between Credit, Marketing, and other business units.
• Lead, mentor, and develop high-performing credit teams.

Skills

Credit risk

Leadership

Analytical

Decision making

Communication

Regulatory knowledge

Education

Business-related degree

Job description

CREDIT MANAGEMENT DIVISION HEAD

Lead Credit. Shape Risk. Drive Growth.

A leading local savings bank is looking for an accomplished Credit Management Division Head to lead its Consumer Credit, Credit Evaluation, Micro & Small Credit, and Credit Investigation & Appraisal functions.

YOUR ROLE

• Lead the division’s overall credit strategy, policies, and risk management.

• Review, enhance, and recommend improvements to credit policies, guidelines, and procedures in line with business objectives and regulatory requirements.

• Serve as a member of the Credit Committee, participating in the evaluation, deliberation, and approval of significant and high-value credit proposals.

• Review complex credit proposals, identify key risks, and recommend appropriate risk mitigation measures.

• Ensure compliance with BSP MORB, BSP Circulars, CAR, and other regulatory requirements.

• Drive improvements in credit processes, portfolio quality, and turnaround time.

• Strengthen collaboration between Credit, Marketing, and other business units.

• Lead, mentor, and develop high-performing credit teams.

WHAT WE’RE LOOKING FOR

• Graduate of a business-related course.

• 10+ years of solid experience in credit review, loan evaluation, credit risk, and/or credit management.

• Banking industry experience is highly preferred, particularly from savings, commercial, or universal banks.

• Must be knowledgeable and experienced in credit policy review, development, and enhancement.

• Must have actual exposure to Credit Committee meetings, with experience presenting, evaluating, and deliberating credit proposals.

• Strong knowledge of BSP regulations, MORB, BSP Circulars, CAR, and credit risk management.

• Proven ability to make sound, independent, and risk-based credit decisions.

• Strong leadership, analytical, decision-making, and communication skills.

• Strategic, results-oriented, and capable of working effectively with senior management and business leaders.

WHY JOIN US?

Take a key leadership role in a respected savings bank where your expertise will directly influence credit strategy, risk management, portfolio quality, and sustainable business growth.