RBSM Credit Risk Officer

BillEase; Philippines; On-site; PHP 1,200,000 - 2,000,000; Full time

Job summary

Billease is hiring a Credit Risk Officer in Makati to develop and implement robust credit risk frameworks, monitor portfolio performance, and ensure IFRS 9 compliance. You will collaborate with Lending, Collections, Data Analytics, and Finance teams to strengthen risk management and support business growth.

The ideal candidate has 5+ years in credit risk within financial services and a strong background in ECL, risk reporting, and BSP regulations.

Qualifications

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

Skills

Data analysis

Risk reporting

Communication

Education

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

Job description

About Us:

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.

Discover more about us here: https://billease.ph/about-us

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.