Credit Risk Officer

Billease; Makati; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

Rural Bank of Sta. Maria (Ilocos Sur), Inc. (RBSM) in Makati seeks a Credit Risk Officer to drive Expected Credit Loss (ECL) modeling, portfolio analytics, and risk reporting for senior management.

You will lead ECL development, monitor credit quality and delinquencies, run stress tests, and develop early warning indicators, while collaborating with Finance, Lending, Collections, Data Analytics, and Product teams to optimize risk and ensure BSP compliance.

Qualifications

• Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Actuarial Science, Data Analytics, or related quantitative field.
• At least 5 years of experience in Credit Risk, Portfolio Risk, Risk Analytics, or Credit Risk Modeling.
• Strong knowledge of ECL and credit risk provisioning methodologies.
• Experience performing portfolio analysis, stress testing, and credit performance monitoring.
• Strong analytical skills with experience handling large datasets and translating findings into actionable business recommendations.
• Excellent communication skills for presenting findings to technical and business stakeholders.

Responsibilities

• Lead the calculation and monitoring of ECL methodologies.
• Analyze portfolio performance, credit quality, delinquencies, and risk metrics.
• Conduct portfolio segmentation, vintage and roll-rate analyses to identify emerging risks.
• Develop and monitor Early Warning Indicators to detect deterioration.
• Perform stress testing, scenario, and sensitivity analyses.
• Prepare credit risk reports and dashboards for senior management.
• Recommend improvements to credit policies and underwriting strategies.
• Support regulatory reporting and BSP compliance.
• Partner with Finance, Lending, Collections, Data Analytics, and Product teams to optimize risk.
• Continuously improve credit risk methodologies and reporting automation.

Skills

ECL knowledge

Portfolio risk

Stress testing

Data analysis

Communication

Large datasets

Education

Bachelor's degree in Finance, Economics, Mathematics, Statistics, Actuarial Science, Data Analytics, or a related quantitative field

Tools

SQL

Excel

Job description

Rural Bank of Sta. Maria (Ilocos Sur), Inc. (RBSM) is a regulated rural banking institution serving the Ilocos Sur region, currently offering loans and deposits. RBSM plans to introduce online banking features to a nationwide audience especially for its deposit accounts, including online fund transfers and mobile-based transaction capabilities.

The Role:

We are looking for a Credit Risk Officer to join our team in Makati. This role is responsible for analyzing credit portfolio performance, developing credit risk methodologies, and supporting data-driven risk decisions. You will play a key role in Expected Credit Loss (ECL) analysis, portfolio analytics, stress testing, and ensuring sound credit risk management practices.

If you have a strong background in credit risk analytics, portfolio management, and financial risk analysis, we'd love to hear from you.

What You'll do

• 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.

What we're looking for:

• 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.
• Strong knowledge of Expected Credit Loss (ECL) and credit risk provisioning methodologies.
• Experience performing portfolio analysis, stress testing, and credit performance monitoring.
• Strong analytical skills with experience handling large datasets and translating findings into actionable business recommendations.
• Proficiency in SQL, Excel, or other analytical/reporting tools is highly preferred.
• Familiarity with credit scoring models and portfolio monitoring methodologies is an advantage.
• Working knowledge of BSP regulations
• Excellent communication skills with the ability to present complex analytical findings to both technical and business stakeholders