Credit Risk Officer: Portfolio & Model Insight

Toyota Financial Services Philippines Corporation; Makati; Sur place; PHP 900 000 - 2 000 000; Plein temps

Résumé du poste

Toyota Financial Services Philippines Corporation is seeking a Credit Risk Officer to support the Risk Manager in implementing and improving the Credit Risk Management framework. The role provides independent review across credit processes, portfolio quality, risk models, provisioning practices, and related controls, ensuring alignment with internal policies and regulatory requirements.

You will develop, test, and monitor credit risk models, dashboards, and governance documentation, coordinating

Qualifications

• Bachelor’s degree in business-related field (Accountancy, Banking & Finance, Economics, or Mathematics).
• Experience in credit review, audit, banking, or financial risk within financial services.
• Strong understanding of credit risk management and portfolio risk analysis.
• Analytical and data integrity focus.
• Effective written and verbal communication.
• Teamwork, initiative, sound judgment.
• Awareness of regulatory developments.
• Proficiency in MS Office.
• Knowledge of SAS, Bloomberg or Reuters is a plus.
• Certifications such as CPA, CFA, FRM, CMA, or CTP are advantageous.

Responsabilités

• Prepare annual Credit Risk Review plan and report with scope, methodologies, key findings, and management action items.
• Perform independent reviews of credit underwriting and approval, credit administration and documentation, loan monitoring systems, and related controls.
• Conduct portfolio reviews based on risk rating, delinquency, concentration, and size to assess asset quality and documentation sufficiency.
• Identify emerging credit risks and delinquency trends and elevate material issues for management action.
• Support the evaluation of loan loss provisioning and allowance adequacy in line with regulatory and accounting standards.
• Perform and document stress testing and back-testing related to portfolio performance and provisioning sensitivity.
• Assist in developing and monitoring credit risk models, including scorecards and portfolio risk metrics.
• Support model validation by reviewing inputs, assumptions, and outputs for accuracy.
• Maintain credit risk methodologies and model use in line with internal policies and Bangko Sentral ng Pilipinas expectations.
• Develop risk analytics, dashboards, and management reports covering key exposures and trends.

Connaissances

Analytical & problem-solving

Written & verbal communication

Teamwork & initiative

Regulatory awareness

Formation

Bachelor’s degree in business-related field

CPA/CFA/FRM/CMA/CTP (advantageous)

Outils

SAS

Bloomberg

Reuters

Microsoft Office

Description du poste

Toyota Financial Services Philippines Corporation is seeking a Credit Risk Officer to support the Risk Manager in implementing and improving the Credit Risk Management framework. The role provides independent review across credit processes, portfolio quality, risk models, provisioning practices, and related controls, ensuring alignment with internal policies and regulatory requirements.

You will develop, test, and monitor credit risk models, dashboards, and governance documentation, coordinating