Credit Risk Management Head (Hybrid | Makati)

HRTx Inc.; Makati; Hybrid; PHP 1,800,000 - 3,200,000; Full time

Job summary

HRTx Inc. in Makati seeks a senior Credit Risk Leader to drive policy development, underwriting standards, and regulatory compliance while overseeing portfolio health. The role requires strategic leadership to balance growth with risk controls.

The position leads a team, manages budgets, and reports to executive management on risk metrics and portfolio performance.

Qualifications

• Education: Bachelor’s degree in Finance, Accounting, Economics, Business or related field; Master’s or risk management certifications preferred.
• Experience: 7+ years in credit risk management.

Responsibilities

• Credit Risk Strategy & Portfolio Oversight: develop policies, limits, and underwriting frameworks to balance risk and growth.

Skills

Credit risk management

Credit underwriting

Portfolio oversight

Regulatory compliance

Leadership

Strategic planning

Education

Bachelor’s in Finance

Bachelor’s in Accounting

Bachelor’s in Economics

Master’s or risk certs

Tools

Financial analysis software

Job description

Hybrid (3x a week RTO) | Day Shift | Makati

Key Responsibilities

• Credit Risk Strategy & Portfolio Oversight: Develop credit policies, approval limits, and underwriting frameworks to manage default risks and balance portfolio growth against loss tolerance.

• Underwriting & Risk Assessment: Oversee loan application due diligence, evaluate borrower risk levels, and monitor portfolio health to catch early indicators of credit stress.

• Compliance & Reporting: Ensure adherence to banking regulations, track key risk metrics, collaborate with business units to minimize delinquency, and present portfolio reports to Management and the Board.

• Department Leadership: Direct daily operations, manage department budgets, set productivity goals, and supervise, evaluate, and mentor staff.

Qualifications

• Education: Bachelor’s degree in Finance, Accounting, Economics, Business, or related field (Master's degree or certifications in Risk Management or Finance preferred).

• Experience: 7+ years of experience in credit risk management.

• Technical Knowledge: Deep expertise in credit risk assessment, credit underwriting, financial analysis, and regulatory compliance.

• Core & Job Competencies: Strategic leadership, business acumen, problem-solving, decision‑making, planning, results orientation, and people management (coaching and mentoring).