Risk Policy Team Lead

UnionBank of the Philippines (UBP); Quezon City; On-site; PHP 1,000,000 - 1,800,000; Full time

Job summary

UnionBank of the Philippines (UBP) is seeking a Risk Policy Team Lead to apply advanced risk management techniques and analyze credit performance to adjust policies. You will develop new methodologies, mentor junior staff, and present findings to senior stakeholders.

The role focuses on ensuring policy alignment with regulatory standards, managing risk across the credit spectrum, and supporting implementation of risk initiatives in a dynamic banking environment.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Engineering, or related field.
• Solid experience in credit risk, risk policy, or portfolio risk within banking or financial services.
• Strong working knowledge of SAS, Python, or R and experience in credit modeling, scoring, or segmentation.
• Solid understanding of credit risk frameworks, portfolio performance analysis, and BSP/regulatory standards.
• Proven leadership skills with experience in mentoring teams and presenting insights to senior stakeholders.

Responsibilities

• Contribute to development of new techniques and improvement of risk management processes and workflows.
• Develop recommendations to adjust credit policies by analyzing credit and financial performance using statistical methods.
• Utilize SAS in UNIX environment to perform risk, financial and data analyses including profiling and sampling.
• Research customer and management queries using risk systems and support ad-hoc risk policy analyses and projects.
• Assist in developing, testing, and optimizing credit policies and ensure regulatory compliance.
• Prepare risk management presentations for senior management and communicate risk implications.

Skills

Leadership

Credit risk

Risk policy

Portfolio risk

Mentoring

Communication

Education

Bachelor's degree in Finance, Economics, Statistics, Mathematics, or Engineering

Tools

SAS

Python

R

Job description

Job Title: Risk Policy Team Lead

Location: UB Square, Eastwood, Quezon City

Employment Type: Probationary

About the Role

The Risk Policy Team Lead applies in-depth risk management expertise to develop new techniques and improve processes, analyzing credit and financial performance to recommend credit policy adjustments using advanced statistical methods and industry best practices.

What You’ll Do

• Contribute to the development of new techniques and improvement of processes and work-flows by applying in depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management

• Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques

• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing

• Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required

• Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives

• Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

• Provide coaching and mentoring to junior/supporting officers.

What We’re Looking For

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Engineering, or related field

• Solid experience in credit risk, risk policy, or portfolio risk within banking or financial services

• Strong working knowledge of statistical analysis tools (SAS, Python, R) and experience in credit modeling, scoring, or segmentation

• Solid understanding of credit risk frameworks, portfolio performance analysis, and BSP/regulatory standards

• Proven leadership skills with experience in mentoring teams and presenting insights to senior stakeholders