Portfolio Risk Officer (For Pooling)

Union Bank of the Philippines; Manila; Hybrid; PHP 900,000 - 1,800,000; Full time

Job summary

Union Bank of the Philippines is seeking a Portfolio Risk Officer to manage risk across Consumer Secured (Auto and Housing) and SME portfolios. The role involves deep analytical work, policy development and cross-functional collaboration to protect portfolio health.

You will lead risk assessment, reporting, stress testing and policy enhancements, collaborating with risk teams and business units to mitigate losses and improve performance.

Qualifications

• Minimum 5 years of risk management experience.
• Knowledge of R and SAS and other programming languages.
• Strong written and oral communication and presentation skills.

Responsibilities

• Manage and mitigate portfolio risk across Consumer Secured and SME products.
• Develop and enhance risk reports; identify trends and suggest actions.
• Participate in policy development, process improvement and controls.

Skills

Risk management

Analytical thinking

Communication skills

Proactive

Portfolio risk

Tools

R

SAS

Job description

About the Role

The Portfolio Risk Officer plays a critical role in managing and mitigating credit risk across the Consumer Secured (Auto and Housing loans) and SME portfolio. This role involves deep analytical work, policy development, and cross-functional collaboration to ensure the health and performance of the portfolio.

What You’ll Do

• Portfolio Risk Management - Possesses in-depth knowledge of the end-to-end credit risk lifecycle, with a focus on portfolio risk for Consumer Secured products. Performs routine and complex risk assessments to identify emerging issues and trends.
• Reporting & Analytics - Develops and enhances portfolio risk reports to identify potential credit risks, analyze trends, and recommend actionable strategies to improve portfolio performance. Presents findings to internal Risk teams and supported business units.
• Policy & Process Development - Involve in the development and periodic review of credit policies, processes, and controls related to portfolio and account management, ensuring alignment with regulatory standards and business objectives.
• Project Leadership - May involve to specific projects or initiatives within broader risk management programs. Accountable for the execution and delivery of ongoing risk-related activities.
• Stress Testing & Risk Mitigation - Conducts stress testing on portfolios and provides retail risk expertise to proactively mitigate potential losses.
• Performance Benchmarking - Establishes benchmarks to monitor performing and non-performing segments, enabling early detection of portfolio deterioration.
• Process Improvement - Regularly reviews existing work processes and practices to enhance operational efficiency and reduce credit losses.
• Policy Enhancement - Applies prescribed guidelines and policies to resolve issues, while proactively identifying opportunities for process and policy improvements.
• Cross-Functional Engagement - Collaborates effectively with cross-functional teams, providing strategic guidance on the execution of risk recommendations and initiatives.

What We’re Looking For

• With at least 5 years experience in Risk Management is preferred
• Knowledgeable in R, SAS, other programming languages. with working experience is preferred

Required Skills:

• Satisfactory oral, written and presentation communication skills needed to coordinate with customers and various units in the Bank
• Satisfactory analytical and technical skills required
• Proactive and self-driven

JOB ID: JOB_812

Job Snapshot

Updated Date

02-Jul-2026

Job ID

JOB_812

Department

Consumer Secured Risk

Location