Senior Credit Policy & Analytics Lead

Whr Global Consulting; Taguig; On-site; PHP 198,000 - 242,000; Full time

Job summary

Whr Global Consulting seeks a Credit Policy and Analytics Manager in Taguig, on-site, with 5–10 years in lending and strong analytic skills. The role develops and maintains credit policies, reviews underwriting standards, and provides data-driven insights to manage risk and portfolio performance.

You will collaborate with Risk Management, Credit Operations, and IT to optimize governance and reporting, including KPI dashboards and scorecard-driven approaches. Experience with Basel IFRS9 is valued.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, Economics, Statistics, or Math.
• MBA / Master’s degree / related certifications (FRM, PRM, CRA, CRM) preferred.
• 7+ years in Consumer/ SME lending with focus on policy, analytics, and risk management.
• Experience in digital lending or scorecard-driven underwriting is an advantage.
• Ability to translate data into actionable lending policies balancing growth and risk.

Responsibilities

• Develop, maintain, and periodically review the Company’s Credit Policy and underwriting standards.
• Recommend revisions to credit policies based on portfolio performance and regulatory developments.
• Ensure alignment of policies with the Risk Appetite and Risk Management Framework.
• Manage policy exceptions and governance controls.
• Support development and implementation of new lending products and credit programs.
• Provide ad-hoc risk advisory and support to management.
• Evaluate underwriting rules, scorecards, and approval strategies.
• Analyze portfolio trends by customer segment, product, channel, geography, and score band.
• Produce portfolio risk reports and management dashboards.
• Perform SQL data extraction and BI reporting, and develop automated reports.

Skills

Portfolio analytics

Credit risk analysis

Python

R

Financial modeling

Education

Bachelor's degree

MBA or related certifications

Tools

Python

R

Job description

Whr Global Consulting seeks a Credit Policy and Analytics Manager in Taguig, on-site, with 5–10 years in lending and strong analytic skills. The role develops and maintains credit policies, reviews underwriting standards, and provides data-driven insights to manage risk and portfolio performance.

You will collaborate with Risk Management, Credit Operations, and IT to optimize governance and reporting, including KPI dashboards and scorecard-driven approaches. Experience with Basel IFRS9 is valued.