Credit Risk Officer (Banking)

BillEase; Philippines; On-site; PHP 1,000,000 - 1,300,000; Full time

Job summary

BillEase is seeking a senior Credit Risk Analyst to lead ECL methodologies, monitor portfolio risk, and develop early warning indicators. The role requires deep analytical capabilities and hands-on experience with stress testing and regulatory reporting for BSP guidelines.

You will work with cross-functional teams to enhance underwriting strategies and improve portfolio performance. The ideal candidate should have 5+ years in risk analytics, strong SQL/Excel skills, and the ability to translate

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, Risk Management, Mathematics, Statistics, or a related 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.
• Strong analytical skills with experience handling large datasets and translating findings into actionable business recommendations.
• Experience performing portfolio analysis, stress testing, and credit performance monitoring.
• Working knowledge of BSP regulations
• Proficiency in SQL, Excel, or other analytical/reporting tools is highly preferred.
• Familiarity with credit scoring models and portfolio monitoring methodologies is an advantage.
• Excellent communication skills with the ability to present complex analytical findings to both technical and business stakeholders

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

SQL

Excel

Analytical thinking

Communication

Education

Bachelor's degree in Finance, Economics, Accounting, Risk Management, Mathematics, or Statistics

Tools

Credit risk models

Portfolio monitoring

Job description

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.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, Risk Management, Mathematics, Statistics, or a related 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.

• Strong analytical skills with experience handling large datasets and translating findings into actionable business recommendations.

• Experience performing portfolio analysis, stress testing, and credit performance monitoring.

• Working knowledge of BSP regulations

• Proficiency in SQL, Excel, or other analytical/reporting tools is highly preferred.

• Familiarity with credit scoring models and portfolio monitoring methodologies is an advantage.

• Excellent communication skills with the ability to present complex analytical findings to both technical and business stakeholders