Credit Policy Officer

East West Banking Corporation; Taguig; On-site; PHP 900,000 - 1,350,000; Full time

Job summary

East West Banking Corporation is seeking a Credit Policy Officer in Bonifacio Global City (BGC), Manila. This onsite role focuses on developing and refining credit policies across acquisitions, underwriting, portfolio management, and collections.

You will assess portfolio trends and ensure regulatory alignment while collaborating with product teams. The ideal candidate holds a bachelor's degree in a related field and has 5+ years in consumer credit risk within banking, with strong data analysis

Qualifications

• Bachelor’s degree in Business Management, Economics, Banking, Finance, or related fields.
• At least 5 years of experience in consumer credit risk management within banking.
• Experience with data mining tools such as SAS or decision tree platforms.
• Understanding of credit lifecycle management and regulatory compliance.
• Strong communication, strategic thinking, and decision-making skills.

Responsibilities

• Develop and maintain updated credit policies for acquisitions, underwriting, portfolio management, and collections.
• Analyze portfolio performance, test results, and market trends to identify opportunities and risks.
• Update credit policy manuals based on performance and regulatory requirements.
• Collaborate with business units on product launches and ensure robust risk criteria.
• Review and endorse credit-related documents within agreed timelines.
• Maintain a balanced risk-reward environment that supports growth and manageable losses.

Skills

Analytical skills

Strong communication

Strategic thinking

Decision-making

Education

Bachelor’s degree in Business Management

Tools

SAS

Decision tree platforms

Job description

About The Job

Location: Bonifacio Global City (BGC)
Corporate Title: Manager to Senior Manager
Work Arrangement: Onsite

Our Consumer Lending team is looking for experienced professionals to join us in Bonifacio Global City (BGC) with the role of Credit Policy Officer.
In this role, you will develop and enhance credit policies across acquisitions, underwriting, portfolio management, and collections. You will assess portfolio trends, evaluate policy effectiveness, and ensure alignment with regulatory requirements. You will also collaborate with business units on product launches, ensuring sound risk criteria and a balanced risk-reward framework for the consumer loans portfolio.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.
We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.
Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What The Role Will Entail

• Develop and maintain updated and competitive credit policies for acquisitions, underwriting, portfolio management, and collections
• Analyze portfolio performance, credit test results, and market trends to identify opportunities, risks, and policy enhancements
• Update credit policy manuals based on performance outcomes and regulatory requirements
• Collaborate with business units on product program launches and ensure robust risk acceptance criteria
• Review and endorse credit-related documents such as program papers, process manuals, and internal communications within agreed timelines
• Maintain a balanced risk-reward environment that supports portfolio growth, market share, and manageable credit losses

What We're Looking For

• Bachelor's degree in Business Management, Economics, Banking, Finance, or related fields
• At least 5 years of experience in consumer credit risk management, credit processing, approvals, collections, or portfolio analytics within the banking industry
• Strong analytical skills with experience in data mining tools such as SAS or decision tree platforms
• Solid understanding of credit lifecycle management and regulatory compliance
• Strong communication, strategic thinking, and decision-making skills
• Willing to work onsite in BGC, Taguig

What You Can Expect From Joining Our Team

• Career development and training opportunities
• Competitive salary package and benefits
• Performance-based incentives and recognition programs to reward high-performing individuals
• Opportunity to work with industry experts and be mentored by them
• Defined career progression paths to guide you in your professional growth