Credit Risk Chief: Policy, Portfolio & Oversight

PM Consulting; Makati; On-site; PHP 1,000,000 - 2,000,000; Full time

Job summary

PM Consulting in Makati is seeking a senior professional to lead Credit Risk Governance and Underwriting Oversight. You will formulate risk policies, underwriting criteria, terms, and exposure limits aligned with the bank's risk appetite.

You will monitor portfolio health, oversee loss mitigation and ensure BSP compliance, preparing board-level risk reports and guiding a team of credit risk officers.

Qualifications

• Education in finance or related field; MBA or risk certs are a plus.
• Minimum 5+ years in credit risk management within banking or regulated finance.
• Strong analytical and quantitative skills for risk scoring and portfolio analysis.

Responsibilities

• Program & Policy Development: Formulate and enforce credit risk policies, underwriting criteria, terms, and exposure limits.
• Underwriting Governance: Oversee due diligence, financial statement analysis, and risk scoring before approvals.
• Portfolio Risk Assessment: Evaluate risk levels for retail, microfinance, or corporate borrowers.
• Portfolio Monitoring: Analyze loan performance to detect early warning indicators and imbalances.
• Loss Mitigation & Collections Alignment: Collaborate to manage NPAs and reduce delinquency.
• Regulatory Compliance & Reporting: Align with BSP directives; present risk metrics to Executives and Board.

Skills

Credit analysis

Regulatory knowledge

Portfolio management

Education

Finance/Accounting/Economics/Business Admin degree

MBA or risk certifications desirable

Job description

PM Consulting in Makati is seeking a senior professional to lead Credit Risk Governance and Underwriting Oversight. You will formulate risk policies, underwriting criteria, terms, and exposure limits aligned with the bank's risk appetite.

You will monitor portfolio health, oversee loss mitigation and ensure BSP compliance, preparing board-level risk reports and guiding a team of credit risk officers.