Credit Risk Strategist - IFRS 9, ECL & Portfolio Oversight

BillEase

Makati

Hybrid

PHP 900,000 - 1,400,000

Full time

14 days+

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Job summary

BillEase in Makati is seeking a Credit Risk Officer to develop and implement robust credit risk frameworks, monitor portfolio performance, and ensure IFRS 9 compliance. You will lead ECL calculations, design early warning indicators, and conduct stress testing.

The role requires 5+ years in credit risk with a Finance/economics/ statistics background and may benefit from BSP regulation knowledge. You will collaborate with Lending, Data Analytics, and Finance teams to support risk strategy.

Qualifications

Bachelor's degree in Finance, Economics, Mathematics, Statistics, or related field.
Minimum 5 years' experience in credit risk management within banking, lending, fintech, or financial services.
Strong knowledge of ECL, IFRS 9, credit scoring, and portfolio risk management.
Experience in data analysis and risk reporting.
Knowledge of BSP regulations is a strong advantage.
Excellent analytical, problem-solving, and communication skills.

Responsibilities

Develop and maintain credit risk frameworks, policies, and control procedures.
Monitor portfolio performance, delinquency trends, and key risk indicators.
Lead ECL calculations and provisioning methodologies in alignment with IFRS 9.
Design and monitor early warning indicators (EWI) for credit deterioration.
Conduct portfolio stress testing and in-depth risk assessments.
Recommend enhancements to credit policies based on portfolio behavior and prevailing market trends.
Support regulatory reporting processes related to credit risk.
Collaborate closely with Lending, Collections, Data Analytics, and Finance teams to ensure cohesive risk management.