Credit & Portfolio Senior Manager (Loan Channeling)

Maya; Mandaluyong; On-site; PHP 1,000,000 - 2,000,000; Full time

Job summary

A leading financial services company in the Philippines seeks a seasoned professional to lead the credit risk management for partner-led lending. The role involves crafting governance frameworks, assessing and mitigating risks, and collaborating with multiple teams to ensure disciplined growth. Candidates should possess extensive experience in credit risk and underwriting, alongside strong analytical skills. This position is pivotal in maintaining financial integrity and operational success in a dynamic lending environment.

Qualifications

• 8+ years of experience in credit risk, underwriting, or portfolio management.
• Strong exposure to wholesale or institutional credit.
• Deep understanding of counterparty credit risk and settlement risk.

Responsibilities

• Own the credit risk design and governance for loan channeling programs.
• Define underwriting frameworks for each channel and assess credit risk.
• Monitor portfolio performance and recommend corrective actions.

Skills

Credit risk management

Underwriting

Portfolio management

Risk assessment

Financial analysis

Job description

Ready to Lead the Future of Credit Risk in Partner-Led Lending? Shape frameworks. Drive risk discipline. Enable growth responsibly.

What You Will Do

• Own the credit risk design and governance for all loan channeling and partner-led lending programs.
• Define underwriting frameworks for each channel, including eligibility criteria, borrower limits, and counterparty exposure caps.
• Assess and manage credit risk for channel partners such as merchants, distributors, platforms, and intermediaries.
• Identify and mitigate settlement risks related to fund flows, repayment routing, timing mismatches, and operational dependencies.
• Set and monitor exposure caps, concentration limits, stop-loss triggers, and escalation thresholds at borrower and partner levels.
• Collaborate with Business, Product, Operations, and Finance teams to embed credit controls across origination, disbursement, and settlement flows.
• Track portfolio performance by channel—disbursals, utilization, delinquencies, losses—and recommend corrective actions.
• Conduct periodic credit reviews of channel partners, analyzing financial strength, performance trends, and settlement behavior.

What You Need to Succeed

• 8+ years of experience in credit risk, underwriting, or portfolio management, ideally in loan channeling, SME, or partner-based lending.
• Strong exposure to wholesale or institutional credit, including counterparty assessment and exposure management.
• Deep understanding of counterparty credit risk, settlement risk, and structural mitigants in partner-led lending models.
• Proven ability to define and manage borrower and institutional limits, including concentration and aggregation risk.
• Solid grasp of credit fundamentals, underwriting, exposure management, portfolio monitoring, and collections linkages.
• Strong judgment and risk discipline, balancing growth objectives with credit and operational risks.
• Comfortable working cross-functionally while maintaining independent credit risk oversight.

Nice to Have

• Experience with purchase financing, merchant cash advance, supply-chain finance, or BNPL.
• Familiarity with risk-sharing structures, FLDG, or co-lending models.
• Understanding of regulatory expectations around third-party lending and outsourcing.