RBSM Credit Risk Officer

BillEase; Makati; On-site; PHP 900,000 - 1,400,000; Full time

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.

Education

Bachelor's degree in Finance, Economics, Mathematics, Statistics, or related field

Job description

Billease makes it easier for you to afford what you want and need today. Our brand is built on making shopping and payment processes seamless and convenient. With customers living diverse lifestyles, we aim to enhance their shopping experiences both online and offline. The name Billease combines bill and ease, pronounced bilis—the Filipino word for speed or swiftness—reflecting our commitment to fast, hassle‑free service.

The Job

We are seeking a highly skilled Credit Risk Officer to join our dynamic team in Makati. In this pivotal role, you will be responsible for developing and implementing robust credit risk frameworks, monitoring portfolio performance, and ensuring compliance with regulatory standards. If you have a passion for risk management and a strong analytical mindset, we invite you to help drive our risk strategy and support business growth.

What you will do:

• Develop and maintain credit risk frameworks, policies, and control procedures.
• Monitor portfolio performance, delinquency trends, and key risk indicators.
• Lead Expected Credit Loss (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.

What we are looking for:

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