Credit Risk Officer (Banking)

BillEase; Metro Manila; On-site; PHP 800,000 - 1,600,000; Full time

Job summary

BillEase in Makati seeks a Credit Risk Officer to analyze credit portfolio performance, develop loss methodologies, and support data‑driven risk decisions. You will lead ECL analysis, portfolio analytics, stress testing, and sound risk management practices.

The role requires a strong background in credit risk analytics, portfolio management, and the ability to translate findings into actionable business recommendations while collaborating with Finance, Lending, Data Analytics, and Product teams.

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.

Responsibilities

• 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.

Skills

Credit risk analytics

Portfolio risk management

Data analysis

Scenario analysis

Risk reporting

Communication

SQL

Excel

BSP regulations knowledge

Education

Bachelor's degree in Finance/Economics/Mathematics/Statistics

Tools

SQL

Excel

Job description

The Role:

We are looking for aCredit Risk Officerto 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 inExpected 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 ofExpected 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 monitorEarly 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 experiencein Credit Risk, Portfolio Risk, Risk Analytics, or Credit Risk Modeling within banking, fintech, lending, or financial services.
• Strong knowledge ofExpected 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 inSQL, Excel, or other analytical/reporting toolsis 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