Head of Credit Risk & Policy – Digital Banking

Gotyme Ph; Philippines; On-site; PHP 4,000,000 - 8,000,000; Full time

Job summary

GoTyme Bank in Quezon City, Philippines, is seeking a Head of Credit Risk to serve as the independent second line of defence for the consumer lending portfolio. You will lead a team to review and challenge underwriting policies and collaborate with lending heads to grow the book responsibly.

Reporting to the CRO, you will establish risk appetite, governance, and provisioning standards, oversee models and data, and ensure compliance with regulatory requirements while driving a data-driven,

Qualifications

• 8-10 years of experience in credit risk within financial services.
• Proven record in managing credit risk, understanding credit models, policy, and risk governance.
• Experience with consumer lending products (personal loans, credit cards, BNPL).
• Experience engaging with board, regulators, and auditors.
• Digital bank/fintech experience is a strong advantage.

Responsibilities

• Independent Credit Oversight: Work with business to provide structured, evidence-based opinions on credit policies, underwriting and collections strategies, models and portfolio risk.
• Credit Policy Governance: Own and maintain the bank's Credit Risk Management policies and procedures, ensuring they remain current and compliant.
• Shared Credit Authority: Exercise co-decision authority on material decisions and exposure limits beyond first-line authority.
• Risk Appetite Calibration: Define and monitor risk appetite metrics and escalation triggers; report to committees.
• Independent Portfolio Monitoring: Conduct periodic independent assessments and challenge portfolio performance against origination assumptions.
• Provisioning Practices: Ensure adequate provisioning and provide insights on impairment elements.
• Forecasting & Stress Testing: Design and execute stress tests; report findings to senior management and Board Risk Committee.
• Credit Models Oversight: Review and guide credit scoring models and data/analytics environment.
• Credit Governance & Culture: Lead Credit Risk Committee discussions and promote a sound governance culture.
• People, processes, reporting and tools: Ensure governance of credit processes and tools.

Skills

Credit risk metrics

IFRS 9 knowledge

Machine-learning models

SQL

Python

Portfolio monitoring

Regulatory engagement

Tools

SQL

Python

Job description

GoTyme Bank in Quezon City, Philippines, is seeking a Head of Credit Risk to serve as the independent second line of defence for the consumer lending portfolio. You will lead a team to review and challenge underwriting policies and collaborate with lending heads to grow the book responsibly.

Reporting to the CRO, you will establish risk appetite, governance, and provisioning standards, oversee models and data, and ensure compliance with regulatory requirements while driving a data-driven,