Head of Credit & Risk Management

HRTx Inc; Makati; On-site; PHP 1,800,000 - 3,000,000; Full time

Job summary

HRTx Inc. is seeking an experienced Senior Credit & Risk Manager in Metro Manila to lead the design and execution of credit policy, risk assessment, and portfolio governance. You will oversee approvals, monitor risk metrics, and drive strategic planning with senior management.

The role requires strong leadership, advanced credit analytics, and collaboration across business units to balance growth with prudent risk management while engaging regulators and auditors as needed.

Qualifications

• Bachelor's degree in Finance, Economics, Accounting, or related field; MBA or professional certification (e.g., CFA, FRM) preferred.
• Minimum 8–10 years of experience in credit, risk management, or banking, with at least 3–5 years in a leadership role.
• Strong knowledge of credit analysis, risk assessment, underwriting, and portfolio management.
• Excellent analytical, strategic thinking, and decision-making skills.
• Strong leadership, communication, and stakeholder management capabilities.

Responsibilities

• Develop, implement, and maintain credit policies, procedures, and risk assessment frameworks aligned with regulatory requirements and business strategy.
• Monitor credit risk exposures across portfolios and enforce risk limits.
• Identify emerging credit risks and recommend mitigation strategies to senior management.
• Oversee the evaluation, approval, and monitoring of credit applications, ensuring compliance with internal policies and regulatory guidelines.
• Ensure portfolio quality through regular reviews, risk grading, and performance monitoring.
• Collaborate with business units to balance growth objectives with prudent risk management.
• Provide insights and recommendations to senior management and the Board on credit strategy, risk appetite, and portfolio performance.
• Prepare reports on credit risk metrics, delinquencies, provisioning, and regulatory compliance.
• Support business planning, product development, and market expansion from a credit perspective.
• Lead, mentor, and develop the credit team, promoting a high-performance culture.
• Define roles, responsibilities, and performance metrics for the credit function.
• Foster continuous learning, professional certification, and knowledge sharing within the team.
• Maintain relationships with regulators, auditors, and external stakeholders on credit-related matters.
• Ensure compliance with local and international regulatory frameworks and industry best practices.
• Collaborate with other risk and finance functions to optimize decision-making and governance.

Skills

Credit analysis

Risk assessment

Underwriting

Portfolio mgmt

Analytical thinking

Strategic thinking

Decision making

Leadership

Communication

Stakeholder mgmt

Education

Bachelor's degree in Finance, Economics, Accounting, or related field

MBA

CFA/FRM

Job description

HRTx Inc. is seeking an experienced Senior Credit & Risk Manager in Metro Manila to lead the design and execution of credit policy, risk assessment, and portfolio governance. You will oversee approvals, monitor risk metrics, and drive strategic planning with senior management.

The role requires strong leadership, advanced credit analytics, and collaboration across business units to balance growth with prudent risk management while engaging regulators and auditors as needed.