Credit Retail Manager (Banking)

OwnBank; Taguig; Hybrid; PHP 2,400,000 - 4,000,000; Full time

Job summary

OwnBank in Metro Manila is seeking a Senior Regulatory and Compliance Lead to oversee BSP regulatory matters for the retail lending business. You will monitor circulars, interpret requirements, and guide management on practical implementation.

You will translate regulations into internal policies and procedures, supervise regulatory submissions, and coordinate with risk, legal, and operations to ensure end-to-end compliance across the lending process.

Qualifications

• 8+ years of experience in financial institutions, including at least 3-5 years in credit-related roles; BSP-supervised banks or consumer finance preferred.
• In-depth knowledge of the BSP regulatory framework, including regulations, reporting requirements, and examination processes; able to interpret rules and translate to internal actions.
• Solid understanding of end-to-end retail lending; prior experience as a retail lending manager or credit underwriting is preferred, senior titles a plus.
• Experience managing a small team.
• Results‑oriented with strong problem‑solving skills and excellent internal communication.
• Fluent in English; Mandarin skills are a plus.

Responsibilities

• Serve as the primary point of contact for BSP regulatory matters; monitor BSP circulars, regulations, and examination requirements; explain rules to management and drive internal implementation.
• Translate regulatory requirements into internal policies, procedures, and operating standards for the retail lending business.
• Oversee regulatory submissions; prepare and review regulatory reports and BSP responses; lead responses to BSP on-site examinations.
• Participate in formulating and optimizing credit policies; provide recommendations on credit processes and risk controls; supervise execution.
• Lead and coach a small team of approximately 2 staff; allocate work and build capability.
• Collaborate with internal teams (business, risk, legal, operations) to drive cross-functional implementation of regulatory matters.
• Other tasks as assigned by the Chief Credit Officer.

Skills

Regulatory knowledge

Leadership

Team management

English fluency

Communication

Analytical thinking

Problem solving

Job description

Duties and Responsibilities:

1. Serve as the primary point of contact for BSP (Banko Sentral ng Pilipinas) regulatory matters; continuously monitor and interpret BSP circulars, regulations, and examination requirements; clearly explain the detailed rules and their business implications to management, and drive internal implementation




2. Translate regulatory requirements into internal policies, procedures, and operating standards to ensure the retail lending business remains fully compliant with BSP requirements across the end-to-end process.




3. Oversee regulatory submissions; organize, prepare, and review regulatory reports and responses to BSP inquiries; lead responses to BSP on-site and on-site examinations.




4. Participate in the formulation and optimization of credit policies; provide professional recommendations on credit processes, underwriting standards, and risk control measures based on the realities of the retail lending business, and supervise their execution.




5. Lead and coach a small team of approximately 2 staff; allocate work appropriately and continuously build capability.




6. Collaborate effectively with internal teams including business, risk, legal, and operations to drive cross‑functional implementation of regulatory matters.




7. Other tasks as assigned by the Chief Credit Officer.

Qualifications:

• 8+ years of experience in financial institutions, including at least 3-5 years in credit-related roles; experience in BSP-supervised banks, consumer finance companies, or other financial institutions is preferred.




• In-depth knowledge of the BSP regulatory framework, including relevant regulations, reporting requirements, and examination processes; able to independently interpret rules and convert them into executable internal actions.




• Solid understanding of the end-to-end retail lending business; prior experience as a retail lending manager or in credit underwriting roles is preferred, and more senior previous titles are a strong plus.




• Experience managing a small team.




• Results‑oriented with strong problem‑solving skills and outstanding internal communication and coordination abilities.




• Fluent in English (working language), Mandarin communication skills are a plus