Credit Policy Officer

East West Banking Corporation; Taguig; On-site; PHP 1,200,000 - 2,000,000; Full time

Benefits offered by this job

Career development opportunities

Competitive salary package

Performance-based incentives

Mentorship from industry experts

Defined career progression paths

Job summary

East West Banking Corporation is seeking a Credit Policy Officer to develop and refine policies across acquisitions, underwriting, portfolio management and collections in our consumer lending group. This onsite role at Bonifacio Global City focuses on a balanced risk-reward framework and regulatory alignment.

The candidate will analyze portfolio trends, test policy effectiveness, and collaborate with business units on product launches, driving sound credit criteria and portfolio growth.

Qualifications

• Bachelor's degree in a relevant field is required.
• 5+ years in consumer credit risk management or related areas.
• Strong analytical and regulatory compliance knowledge.

Responsibilities

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

Skills

Analytical skills

Communication

Strategic thinking

Education

Bachelor's degree in Business Management, Economics, Banking, Finance, or related fields

Tools

SAS

Decision tree platforms

Job description

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