Lead Credit Risk & Governance - Partner-Led Lending

Maya Bank; Manila; On-site; PHP 3,000,000 - 4,600,000; Full time

Job summary

Maya Bank is seeking a Senior Credit Risk Leader in Manila to own the design and governance of credit risk for partner-led lending programs. You will define underwriting frameworks, assess risk across partners, and collaborate across departments to embed controls throughout origination to settlement.

The role requires deep counterparty risk knowledge, strong judgment, and the ability to manage settlement and concentration risks while driving growth within risk appetite.

Qualifications

• 8+ years of experience in credit risk, underwriting, or portfolio management, preferably in loan channeling or partner-based lending.
• Strong exposure to wholesale or institutional credit and counterparty assessment.
• Deep understanding of counterparty risk, settlement risk, and structural mitigants in partner-led lending models.
• Proven ability to set borrower and partner limits including concentration and aggregation risk.
• Solid grasp of credit fundamentals, underwriting, exposure management, portfolio monitoring, and collections linkages.
• Demonstrated risk discipline and judgment balancing growth with risk across cross-functional teams.

Responsibilities

• Own the credit risk design and governance for all loan channeling and partner-led lending programs.
• Define underwriting frameworks for each channel, including eligibility criteria, borrower limits, and counterparty exposure caps.
• Assess and manage credit risk for channel partners such as merchants, distributors, platforms, and intermediaries.
• Identify and mitigate settlement risks related to fund flows, repayment routing, timing mismatches, and operational dependencies.
• Set and monitor exposure caps, concentration limits, stop-loss triggers, and escalation thresholds at borrower and partner levels.
• Collaborate with Business, Product, Operations, and Finance teams to embed credit controls across origination, disbursement, and settlement flows.
• Track portfolio performance by channel-disbursals, utilization, delinquencies, losses-and recommend corrective actions.
• Conduct periodic credit reviews of channel partners, analyzing financial strength, performance trends, and settlement behavior.

Skills

Credit risk

Underwriting

Portfolio management

Counterparty risk

Exposure management

Risk governance

Cross-functional collaboration

Job description

Maya Bank is seeking a Senior Credit Risk Leader in Manila to own the design and governance of credit risk for partner-led lending programs. You will define underwriting frameworks, assess risk across partners, and collaborate across departments to embed controls throughout origination to settlement.

The role requires deep counterparty risk knowledge, strong judgment, and the ability to manage settlement and concentration risks while driving growth within risk appetite.