Credit Risk and Portfolio Analytics Officer

Wisefund Finance Corporation Ortigas; Eastern Manila District; Vor Ort; PHP 600.000 - 900.000; Vollzeit

Zusammenfassung

Wisefund Finance Corporation Ortigas is seeking a Senior Credit Risk Analytics professional to monitor and analyze the loan portfolio across product lines, branches, and borrower segments. You will evaluate credit quality indicators, conduct cohort analyses, and support ECL, PD, and loss provisioning processes.

You will collaborate with SAFC Risk Analytics and other departments to develop dashboards, validate data, and prepare management reports that inform policy reviews and strategic

Aufgaben

• Monitor and analyze loan portfolio performance by product, branch, borrower segment, classification and risk dimensions.
• Prepare analyses of portfolio-at-risk, delinquency, NPL, roll rates, and other credit quality indicators.
• Conduct vintage and cohort analyses to evaluate repayment performance across periods.
• Analyze loan approval, rejection, and repayment trends to identify credit risks.
• Assess credit quality of New and Renewal accounts; compare repayment behavior.
• Identify portfolio concentrations, adverse trends, and risk exposures.
• Recommend monitoring measures and management intervention areas.
• Provide portfolio performance analyses to support credit policy reviews, product evaluation, planning.
• Serve as WFCs analytical counterpart for the SGV credit scoring project.
• Participate in knowledge transfer on scoring methodologies, data requirements, and performance evaluation.
• Document credit scoring processes, data definitions, and monitoring methodologies.
• Coordinate with SAFC Risk Analytics on periodic monitoring of scoring model performance.
• Analyze score distributions, risk segmentation, approval rates, delinquency by category.
• Monitor model performance for deterioration or drift; identify data quality issues.
• Prepare model performance reports and recommend areas for improvement.
• Coordinate model adjustments with SAFC Risk Management and approving authorities.
• Analyze factors contributing to changes in Expected Credit Loss provisions.
• Coordinate with Accounting/Finance and SAFC Risk Management on ECL inputs.
• Assist in analyzing PD, Loss Given Default, EAD, and ECL staging movements.
• Prepare comparative ECL movement analyses; identify changes due to portfolio composition and recoveries.
• Assess financial implications of ECL movements on profitability.
• Identify loan products or vintages contributing to ECL.
• Support scenario and sensitivity analyses for credit performance impacts.
• Prepare ECL analytical summaries and recommendations for Management.
• Monitor and analyze collections performance, recovery trends, delinquency movements, cure rates.
• Evaluate performance of third-party collection providers; prepare assessments.
• Identify recurring collection issues and deterioration patterns.
• Coordinate with Credit Department to validate analyses.
• Recommend opportunities to improve collection monitoring and recovery strategies.
• Prepare periodic collection and recovery analytics reports for Management.
• Prepare monthly, quarterly, and special credit risk analytics reports for President and stakeholders.
• Develop and maintain portfolio risk dashboards; present findings clearly.
• Provide analytical support to COO, Credit, Accounting/Finance, and other departments.
• Coordinate with SAFC Risk Management in preparing reports for Management and Board.
• Support development of automated reporting tools and risk analytics templates.
• Maintain data integrity and confidentiality of analytical information.
• Perform other relevant credit risk analytics functions as assigned.

Jobbeschreibung

• Monitor and analyze the Company's loan portfolio performance according to product, branch, borrower segment, loan classification, and other applicable risk dimensions.

• Prepare analyses of portfolio-at-risk, delinquency, nonperforming loans (NPL), roll rates, and other credit quality indicators.

• Conduct vintage and cohort analyses to evaluate the repayment performance of loans originated during different periods.

• Analyze loan approval, rejection, and subsequent repayment trends to identify emerging credit risks.

• Assess the credit quality of New and Renewal accounts and identify significant differences in borrower repayment behavior.

• Identify portfolio concentrations, adverse performance trends, and potential risks exposures.

• Recommend appropriate monitoring measures and potential areas for management intervention.

• Provide portfolio performance analyses to support credit policy reviews, product evaluations, and strategic planning.

• Serve as WFCs designated analytical counterpart for the SGV credit scoring project.

• Participate in knowledge transfer activities relating to scoring methodologies, model assumptions, data requirements, and performance evaluation.

• Document credit scoring processes, analytical procedures, data definitions, and monitoring methodologies for internal reference.

• Coordinate with SAFC Risk Analytics in establishing periodic monitoring of credit scoring model performan ce.

• Analyze score distributions, risk segmentation, approval rates, and delinquency behavior across scoring categories.

• Monitor model performance, stability, and emerging indications of deterioration or model drift. Identify data quality issues and inconsistencies affecting credit scoring outputs.

• Prepare model performance reports and recommend areas requiring further technical

• Coordinate proposed model adjustments with SAFC Risk Management and the appropriate approving authorities.

• Analyze the principal factors contributing to changes in the Company's Expected Credit Loss provisions.

• Coordinate with Accounting/Finance and SAFC Risk Management in reviewing ECL inputs, assumptions, methodologies, and analytical results.

• Assist in analyzing Probability Of Default (PD), LOSS Given Default (LCD), Exposure at Default (EAD), and ECL staging movements under the Company's applicable PFRS 9 methodology.

• Prepare comparative ECL movement analyses identifying changes attributable to portfolio composition, credit deterioration, recoveries, and Other relevant factors. 5. 6. 7. 8.

• Assess the financial implications ot ECL movements on profitability, portfolio returns, and business sustainability.

• Identify loan products, borrower segments, or origination vintages that contribute significantly to expected credit losses.

• Support scenario and sensitivity analyses to assess the potential impact Of changes in credit performance.

• Prepare ECL analytical summaries and recommendations for Management consideration.

• Monitor and analyze collections performance, recovery trends, delinquency movements, and cure rates.

• Evaluate the performance Of third-party collection service providers (TPSPs) using established performance indicators. prepare comparative assessments of collection effectiveness, recovery efficiency, and account resolution outcomes, considering differences in assigned portfolios.

• Identify recurring collection issues, recovery bottlenecks, and deterioration patterns.

• Coordinate with the Credit Department and concerned collection personnel in validating analytical findings.

• Recommend opportunities to improve collection monitoring and recovery strategies. prepare periodic collection and recovery analytics reports for Management

• Prepare monthly, quarterly, and special credit risk analytics reports for the Office of the President and other authorized stakeholders.

• Develop and maintain portfolio risk dashboards covering credit quality, scoring performance, delinquency, collections, and ECL trends. present significant analytical findings, emerging risks, and financial implications in a clear and actionable manner.

• Provide analytical support to the Office of the COO, Credit Department, Accounting/finance, and Other departments for operational and strategic decision-making.

• Coordinate with SAFC Risk Management in preparing reports required by relevant Management and Board committees.

• Support the development of automated reporting tools and standardized risk analytics templates.

• Maintain proper documentation, data integrity, and confidentiality Of analytical information.

• Perform other relevant credit risk analytics functions as may be assigned by authorized Management