Credit Risk Officer

Hammerjack Pty Ltd; Philippines; On-site; PHP 1,800,000 - 3,200,000; Full time

Job summary

Rural Bank of Sta. Maria (Ilocos Sur), Inc.

(RBSM) is seeking a Credit Risk Officer in Makati with a strong background in credit risk analytics and ECL analysis. You will lead ECL methodologies, monitor portfolio performance, and develop risk metrics to guide data-driven decisions.

Qualifications

• 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 BSP regulations and credit scoring models is advantageous.

Responsibilities

• Lead the calculation, monitoring, and enhancement of 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 stakeholders.
• Recommend improvements to credit policies, underwriting strategies, and portfolio management based on data-driven insights.
• Support regulatory reporting and ensure compliance with 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.

Skills

Credit risk

ECL

Portfolio risk

Stress testing

SQL

Excel

Data analysis

Education

Bachelor's degree in Finance/Economics/Statistics/Data Analytics

Tools

SQL

Excel

Job description

About Us:

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