Regional Risk Manager (Philippines)

PALMPAY LIMITED; Philippines; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

PALMPAY LIMITED is seeking a Regional Risk Manager based in Manila, Philippines. This role involves overseeing credit management processes, leading the regional credit assessment team, and ensuring implementation of credit policies. Applicants should have a Bachelor's degree in Finance or Management, with 3-5 years of experience in consumer finance and local market knowledge. Strong communication and data analysis skills are required, and proficiency in local languages is a plus.

Qualifications

• 3-5 years of experience in consumer finance or retail credit risk.
• At least 1 year of team management experience in the Philippines market.

Responsibilities

• Oversee the credit approval process and monitor asset portfolio quality.
• Lead and train credit officers and manage team performance.
• Maintain communication with sales team and handle store appeals.

Skills

Data analysis skills

Communication skills

Knowledge of credit approval process

Proficiency in local languages

Education

Bachelor's degree in Finance, Management, or related fields

Tools

Excel

Job description

Job Title: Regional Risk Manager (Philippines)

Location: Manila, Philippines

Department: Risk Management

Reports to: Head of Risk / Country Manager

Role Summary We are looking for an experienced Regional Risk Manager to lead the credit risk team in a specific region of the Philippines. You will act as the bridge between headquarters and the front-line business, ensuring the accurate implementation of credit policies while making localized adjustments based on regional characteristics. You will manage the regional credit assessment team, monitor portfolio quality, and take ownership of the delinquency and charge-off rates in your region.

Key Responsibilities

Regional Credit Management

• Oversee the credit approval process for mobile phone installment businesses in the region, making final approval decisions within the authority delegated by headquarters.
• Monitor the quality of the regional asset portfolio, regularly generate regional risk reports, and identify early warning signals.
• Propose differentiated credit policy recommendations to headquarters based on regional customer segment characteristics.

Team Leadership & Training

• Lead, motivate, and evaluate the performance of front-line credit officers and field verification teams in the region.
• Organize regular training sessions to ensure the team understands the latest credit policies and anti-fraud rules.
• Build a talent pipeline and develop local key staff.

Store & Channel Risk Control

• Maintain communication with the sales team and dealer/store partners to assess and grade channel quality from a risk perspective.
• Handle store appeals regarding rejected cases to balance customer experience and risk control.
• Conduct regular risk inspections at partner stores to prevent internal and external collusion fraud.

Anti-Fraud Execution

• Implement the headquarters' anti-fraud strategies and identify common local fraud patterns.
• Establish regional blacklist and greylist mechanisms.

Localized Process Optimization

• Optimize interview scripts and document verification processes based on the characteristics of customers in the region.
• Manage post-loan follow-up and verification work in the region.

Qualifications

• Education: Bachelor's degree or above in Finance, Management, or related fields.
• Experience: 3-5 years of experience in consumer finance or retail credit risk, with at least 1 year of team management experience. Must be familiar with the local Philippine market.

Skills

• Familiar with the credit approval process and basic risk indicators.
• Strong data analysis skills, proficient in using Excel for data pivot and analysis.
• Good communication and coordination skills, able to handle conflicts with business departments.
• Proficiency in local languages is a plus.
• Willingness to travel within the region for store visits.

Key Performance Indicators

• Delinquency rate of the region under jurisdiction.
• Approval rate and turnaround time.
• Team professional ability improvement and retention rate.