Retail Credit & Liquidity Risk Manager (Hybrid)

Cobden & Carter International; Philippines; Hybrid; PHP 1,500,000 - 2,100,000; Full time

Job summary

Cobden & Carter International seeks a Retail Credit Risk and Asset Liquidity Manager to oversee the retail lending portfolio, assess credit risk, and monitor liquidity to ensure timely obligations are met. This role emphasizes risk-adjusted performance and compliance.

The position is hybrid (3 days on-site) in the Philippines, requiring 5+ years in liquidity or credit risk, strong analytics (Python, R, SAS), and a CFA/FRM preferred.

Qualifications

• 5+ years in Liquidity Risk, Credit Risk, or Retail Risk in digital or non-traditional banking.
• Deep knowledge of credit risk assessment methods and underwriting principles.
• Strong understanding of IRRBB, LCR, NSFR, and stress testing.
• Proficiency in data analysis tools: Python, R, SAS.

Responsibilities

• Oversee underwriting process in line with credit policies and local regulations.
• Monitor liquidity risk to ensure sufficient liquid assets for obligations.
• Develop portfolio heat maps to assess risk appetite and targets.
• Conduct stress tests to evaluate adverse liquidity scenarios.
• Maintain and test Contingency Funding Plan (CFP) with stakeholders.
• Monitor Early Warning System for liquidity risks from macro events.
• Prepare liquidity risk reports and regulatory disclosures.
• Analyze portfolio data to identify trends and actions.

Skills

Liquidity risk

Credit risk

Retail risk

Underwriting

Credit scoring

Statistical analysis

Python

R

SAS

CFA/FRM

Education

Bachelor's degree in Accounting, Finance, Business, Statistics, Mathematics (MBA preferred)

Tools

Python

R

SAS

Job description

Cobden & Carter International seeks a Retail Credit Risk and Asset Liquidity Manager to oversee the retail lending portfolio, assess credit risk, and monitor liquidity to ensure timely obligations are met. This role emphasizes risk-adjusted performance and compliance.

The position is hybrid (3 days on-site) in the Philippines, requiring 5+ years in liquidity or credit risk, strong analytics (Python, R, SAS), and a CFA/FRM preferred.