CREDIT OFFICER

Bank of the Philippine Islands (BPI); Manila; On-site; PHP 420,000 - 660,000; Full time

Job summary

Bank of the Philippine Islands (BPI) is seeking a Credit Officer for Credit Cards in Manila to evaluate and render decisions on new card and personal loan applications, including credit limit increase requests, following approved policies.

The role emphasizes risk assessment, adherence to standards, and collaboration with risk operations teams to ensure timely, compliant credit decisions and strong customer service.

Qualifications

• Bachelor’s degree in business or related field.
• Minimum 2 years in credit, fraud management, or process risk quality in retail banking.
• Solid background in credit evaluation and operations.
• Exposure to audit and vendor functions.
• Ability to build and manage stakeholder relationships.
• Strong analytical and people management skills.
• Proficient in MS Office and credit/fraud systems.

Responsibilities

• Ensure credit initiation and underwriting meet service level targets.
• Make sure underwritten accounts meet PDO and RAM benchmarks.
• Achieve individual quota through productive underwriting.
• Ensure credit practices comply with internal and external regulations.
• Support special credit projects to improve turnaround time and reduce costs.
• Maintain quality in credit operation processes and service levels.
• Assist vendor management: selection, accreditation, negotiations, onboarding, and payments.
• Coordinate budget and manpower with Unsecured Lending and Cards Group partners.

Skills

Credit evaluation

Stakeholder management

Analytical thinking

People management

MS Office & credit systems

Education

Bachelor’s degree in business or related field

Job description

The Credit Officer for Credit Cards is primarily responsible for evaluation and rendering decisions on new applications for Credit Card and Personal Loan as well as requests for Increase in Credit Limit in compliance with the approved credit policies and guidelines on granting a facility.

Duties And Responsibilities

• Service Delivery Management – Ensures that credit initiation and underwriting meet the service level targets
• Booking of Quality Accounts – Assures that underwritten accounts are within the PDO and RAM benchmarks
• Productivity – Ensures that individual quota is met
• Audit and Compliance – Ensures that credit practices are within the standards of internal and external regulations
• Special Projects – Recommends or supports credit projects and initiatives to improve turn-around time and reduce operational costs
• Quality Management – Maintains industry level of quality in credit operation processes and commitment to agreed service levels through process assessment, diagnosis, reengineering, and monitoring of execution leading to enhanced efficiency
• Vendor Management – Assists the Department Head on the selection, accreditation, contract negotiations and onboarding of third-party vendor for Credit Risk Operations as well as manages relationship, compliance to service agreement, performance evaluation, and ensures payment to the services
• Budget Management – Coordinates with the financial business partner of Unsecured Lending and Cards Group on budget and manpower concerns

Qualifications

• Bachelor’s degree in business or any related course
• Minimum of two (2) years’ experience in credit, fraud management, or process risk quality management within retail banking
• Solid background in credit evaluation and operations
• Prior exposure to audit and vendor functions
• Ability to build and manage stakeholder relationships
• Strong analytical and people management skills
• Proficient in MS Office applications and credit/fraud systems