Senior Credit Risk Architect — Partner-Led Lending

Maya; Manila; On-site; PHP 1,800,000 - 3,000,000; Full time

Job summary

Maya is seeking a senior credit risk leader to design governance for loan channeling and partner‑led lending, defining underwriting frameworks and counterparty exposure rules. The role requires deep risk discipline and cross‑functional collaboration to embed controls across origination, disbursement, and settlement flows.

Responsibilities include monitoring channel portfolio performance, setting limits, and conducting periodic credit reviews of partners to assess financial strength and trends.

Qualifications

• 8+ years of experience in credit risk, underwriting, or portfolio management.
• Experience in loan channeling, SME, or partner‑based lending is ideal.
• Strong understanding of counterparty risk, settlement risk, and exposure management.

Responsibilities

• Own the credit risk design and governance for all loan channeling and partner‑led lending programs.
• Define underwriting frameworks for each channel, including eligibility criteria and exposure caps.
• Assess and manage credit risk for channel partners such as merchants, distributors, platforms, and intermediaries.
• Identify and mitigate settlement risks related to fund flows and timing mismatches.
• Set and monitor exposure caps, concentration limits, and escalation thresholds at borrower and partner levels.
• Collaborate with Business, Product, Operations, and Finance to embed credit controls across origination, disbursement, and settlement flows.
• Track portfolio performance by channel and recommend corrective actions.
• Conduct periodic credit reviews of channel partners, analyzing financial strength and trends.

Skills

Credit risk analysis

Underwriting

Portfolio monitoring

Counterparty risk

Exposure management

Risk governance

Cross‑functional collaboration

Credit reviews

Job description

Maya is seeking a senior credit risk leader to design governance for loan channeling and partner‑led lending, defining underwriting frameworks and counterparty exposure rules. The role requires deep risk discipline and cross‑functional collaboration to embed controls across origination, disbursement, and settlement flows.

Responsibilities include monitoring channel portfolio performance, setting limits, and conducting periodic credit reviews of partners to assess financial strength and trends.