Senior Credit Manager

Unistar Credit and Finance Corp; Metro Manila; On-site; PHP 2,000,000 - 3,000,000; Full time

Job summary

Unistar Credit and Finance Corp in Metro Manila seeks a Senior Credit Manager to oversee all credit operations, underwriting quality, and risk management. You will support the Chief Credit Officer and develop leadership pipelines for managers.

The role focuses on policy execution, portfolio monitoring, compliance, and cross-functional collaboration across Operations, Sales, and MIS.

Qualifications

• Degree in business, finance, or related field.
• MBA or similar qualification is an advantage.
• Extensive experience in credit/risk management roles.

Responsibilities

• Assist CCO in strategic plans and initiatives.
• Oversee nationwide credit processing and QA activities.
• Review and implement credit policies and controls.
• Analyze portfolio trends, delinquencies, and risk exposure.
• Ensure compliance with policies and regulations.
• Monitor productivity and performance metrics.
• Review management reports and analyses.
• Lead process improvements and system enhancements.
• Provide coaching and succession development for managers.
• Coordinate with Operations, Sales, Collections, and MIS

Skills

Credit evaluation

Underwriting

Portfolio management

Risk analysis

Leadership

Stakeholder management

Analytical thinking

Education

Bachelor's degree in Business/Finance

MBA or postgraduate qualification

Job description

About the role

The Senior Credit Manager is responsible for overseeing and integrating all credit operations, underwriting quality, credit policy implementation, portfolio performance monitoring, and risk management activities. The position serves as the principal support to the Chief Credit Officer and acts as the designated successor for departmental leadership.

Key responsibilities

• Assist the Chief Credit Officer in developing and executing strategic plans and initiatives

• Oversee nationwide credit processing, underwriting, verification, and quality assurance activities

• Review and implement credit policies, procedures, and controls

• Analyze portfolio trends, delinquency ratios, repossession rates, approval rates, and risk exposures

• Ensure compliance with approved credit policies and regulatory requirements

• Monitor turnaround time, productivity, and operational performance metrics

• Review and validate management reports and analyses

• Lead process improvement and system enhancement initiatives

• Provide leadership, coaching, and succession development for managers and supervisors

• Coordinate with Operations, Sales, Collections, Training, MIS, and other business units

About you

• Bachelor's degree in business management, Accounting, Finance, Economics, Statistics, or related fields

• MBA or related postgraduate qualification is an advantage

• At least 8-10 years of progressive experience in Credit, Risk Management, Lending Operations, or Financial Services

• At least 5 years of leadership experience handling managers and multiple credit functions

• Strong knowledge of credit evaluation, underwriting, portfolio management, and risk analysis

• Excellent analytical, leadership, communication, and stakeholder management skills