Credit Risk Analytics Lead – ECL & Portfolio Insights

BillEase; Metro Manila; On-site; PHP 800,000 - 1,600,000; Full time

Job summary

BillEase in Makati seeks a Credit Risk Officer to analyze credit portfolio performance, develop loss methodologies, and support data‑driven risk decisions. You will lead ECL analysis, portfolio analytics, stress testing, and sound risk management practices.

The role requires a strong background in credit risk analytics, portfolio management, and the ability to translate findings into actionable business recommendations while collaborating with Finance, Lending, Data Analytics, and Product teams.

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Actuarial Science, Data Analytics, or a related quantitative field.
• At least 5 years of experience in Credit Risk, Portfolio Risk, Risk Analytics, or Credit Risk Modeling within banking, fintech, lending, or financial services.

Responsibilities

• Lead the calculation, monitoring, and enhancement of Expected Credit Loss (ECL) methodologies.
• Analyze portfolio performance, credit quality, delinquency trends, and key credit risk metrics.
• Conduct portfolio segmentation, vintage analysis, roll-rate analysis, and other risk analytics to identify emerging credit risks.
• Develop and monitor Early Warning Indicators (EWI) to proactively detect portfolio deterioration.
• Perform stress testing, scenario analysis, and sensitivity analysis to assess portfolio resilience.
• Prepare regular credit risk reports and dashboards for senior management and key stakeholders.
• Recommend improvements to credit policies, underwriting strategies, and portfolio management based on data-driven insights.
• Support regulatory reporting and ensure compliance with applicable BSP regulations.
• Partner with Finance, Lending, Collections, Data Analytics, and Product teams to optimize portfolio performance and risk management.
• Continuously improve credit risk methodologies, reporting automation, and analytical processes.

Skills

Credit risk analytics

Portfolio risk management

Data analysis

Scenario analysis

Risk reporting

Communication

SQL

Excel

BSP regulations knowledge

Education

Bachelor's degree in Finance/Economics/Mathematics/Statistics

Tools

SQL

Excel

Job description

BillEase in Makati seeks a Credit Risk Officer to analyze credit portfolio performance, develop loss methodologies, and support data‑driven risk decisions. You will lead ECL analysis, portfolio analytics, stress testing, and sound risk management practices.

The role requires a strong background in credit risk analytics, portfolio management, and the ability to translate findings into actionable business recommendations while collaborating with Finance, Lending, Data Analytics, and Product teams.