Credit Risk & Modelling Lead (Scorecards & ECL)

East West Banking Corporation; Taguig; On-site; PHP 1,800,000 - 2,600,000; Full time

Benefits offered by this job

Competitive salary package

Performance-based incentives

Career development & training

Mentorship by industry experts

Defined career progression paths

Job summary

East West Banking Corporation in Taguig seeks a Modelling and Risk Analytics Officer to lead risk scorecard development, validation, and monitoring across consumer lending products, including acquisitions and collections. You will partner with stakeholders to implement data-driven analytics and adapt models to regulatory changes for accurate risk assessments.

You will oversee ECL model development and validation, ensure model performance, and provide insights on portfolio risk and profitability,

Qualifications

• Bachelor's degree in Business Management, Economics, Banking and Finance, Statistics, Mathematics, or related field.
• 3+ years in Collections Management and/or Portfolio Management in banking.
• At least 2 years in model usage, monitoring, validation, implementation, and management.
• Solid understanding of regulatory requirements and governance for credit risk models.
• Analytical, results-driven with strong communication and stakeholder management.

Responsibilities

• Lead development, validation, implementation and monitoring of risk scorecards across consumer lending products.
• Define data, analytics, and system requirements with internal and external partners.
• Conduct scorecard and model validation, UAT, implementation support, and training.
• Analyze portfolio and scorecard performance for risks and opportunities with recommendations.
• Oversee data preparation, segmentation and performance assessment for ECL models.
• Assess macroeconomic trends and external factors on credit risk for accurate loss estimation.
• Drive balanced risk-reward strategy to support portfolio growth and profitability.

Skills

Credit risk management

Credit lifecycle processes

Lending operations

Model usage & validation

Stakeholder management

Education

Bachelor's degree in Business/ Economics/ Banking & Finance/ Statistics/ Mathematics

Job description

East West Banking Corporation in Taguig seeks a Modelling and Risk Analytics Officer to lead risk scorecard development, validation, and monitoring across consumer lending products, including acquisitions and collections. You will partner with stakeholders to implement data-driven analytics and adapt models to regulatory changes for accurate risk assessments.

You will oversee ECL model development and validation, ensure model performance, and provide insights on portfolio risk and profitability,