Senior Credit Policy Manager - Auto Lending

Hammerjack Pty Ltd; Taguig; On-site; PHP 800,000 - 1,200,000; Full time

Job summary

East West Banking Corporation (EastWest) is seeking a Credit Policy Officer to develop and enhance policies across acquisitions, underwriting, portfolio management, and collections, based in Bonifacio Global City, Taguig. You will assess portfolio trends and ensure regulatory alignment.

The role involves collaborating with business units on product launches, maintaining sound risk criteria and a balanced risk-reward framework for auto loans.

Qualifications

• Bachelor's degree in Business Management, Economics, Banking, Finance, or related fields.
• At least 5 years of experience in consumer credit risk management, credit processing, approvals, collections, or portfolio analytics within the banking industry.
• Strong analytical skills with experience in data mining tools such as SAS or decision tree platforms.
• Solid understanding of credit lifecycle management and regulatory compliance.
• Strong communication, strategic thinking, and decision-making skills.
• Willing to work onsite in BGC, Taguig.

Responsibilities

• Develop and maintain updated and competitive credit policies for acquisitions, underwriting, portfolio management, and collections.
• Analyze portfolio performance, credit test results, and market trends to identify opportunities, risks, and policy enhancements.
• Update credit policy manuals based on performance outcomes and regulatory requirements.
• Collaborate with business units on product program launches and ensure robust risk acceptance criteria.
• Review and endorse credit-related documents such as program papers, process manuals, and internal communications within agreed timelines.
• Maintain a balanced risk-reward environment that supports portfolio growth, market share, and manageable credit losses.

Skills

Analytical skills

Communication

Strategic thinking

Decision-making

Education

Bachelor's degree in Business Management, Economics, Banking, Finance, or related fields

Tools

SAS

Decision tree platforms

Job description

East West Banking Corporation (EastWest) is seeking a Credit Policy Officer to develop and enhance policies across acquisitions, underwriting, portfolio management, and collections, based in Bonifacio Global City, Taguig. You will assess portfolio trends and ensure regulatory alignment.

The role involves collaborating with business units on product launches, maintaining sound risk criteria and a balanced risk-reward framework for auto loans.