Senior Credit Risk Leader: Partner-Led Lending

Maya

Metro Manila

On-site

PHP 3,000,000 - 5,000,000

Full time

14 days+

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Job summary

Maya is seeking a seasoned Lead Credit Risk professional to shape the future of partner-led lending in the Philippines. You will own risk design, governance, and underwriting frameworks across loan channels, ensuring prudent exposure and responsible growth.

Collaborate with Business, Product, Operations, and Finance to embed controls through origination, disbursement, and settlement. You will analyze channel performance and conduct periodic reviews of partners’ financial strength.

Qualifications

8+ years of experience in credit risk, underwriting, or portfolio 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, borrower limits, and counterparty 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, repayment routing, timing mismatches, and operational dependencies.
Set and monitor exposure caps, concentration limits, stop‑loss triggers, and escalation thresholds at borrower and partner levels.
Collaborate with Business, Product, Operations, and Finance teams to embed credit controls across origination, disbursement, and settlement flows.
Track portfolio performance by channel—disbursals, utilization, delinquencies, losses—and recommend corrective actions.
Conduct periodic credit reviews of channel partners, analyzing financial strength, performance trends, and settlement behavior.