Senior Manager - Credit Loan Channeling

Maya; Metro Manila; On-site; PHP 3,000,000 - 5,000,000; Full time

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.

Skills

Credit risk design

Underwriting frameworks

Portfolio management

Counterparty risk

Settlement risk

Cross-functional collaboration

Risk governance

Data-driven decisions

Job description

Our goal is for everyone to make bolder choices with their finances.

To get there, we're creating an all-in-one ecosystem of financial services for today's generation of goal-getters. That feat takes extraordinary people-those with the guts to challenge the way things are and transform them into something better.

To be part of Team Maya is to be Bolder for Better.

Description

Ready to Lead the Future of Credit Risk in Partner-Led Lending? Shape frameworks. Drive risk discipline. Enable growth responsibly.

What You Will Do

• 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.

What You Need to Succeed

• 8+ years of experience in credit risk, underwriting, or portfolio management, ideally in loan channeling, SME, or partner-based lending.
• Strong exposure to wholesale or institutional credit, including counterparty assessment and exposure management.
• Deep understanding of counterparty credit risk, settlement risk, and structural mitigants in partner-led lending models.
• Proven ability to define and manage borrower and institutional limits, including concentration and aggregation risk.
• Solid grasp of credit fundamentals, underwriting, exposure management, portfolio monitoring, and collections linkages.
• Strong judgment and risk discipline, balancing growth objectives with credit and operational risks.
• Comfortable working cross-functionally while maintaining independent credit risk oversight.

Nice to Have

• Experience with purchase financing, merchant cash advance, supply‑chain finance, or BNPL.
• Familiarity with risk-sharing structures, FLDG, or co‑lending models.
• Understanding of regulatory expectations around third-party lending and outsourcing.

About Us

Maya is the all-in-one money platform that is bringing Filipinos bolderways to master their money. It is powered by a unique integrated financial services ecosystem that addresses the ever-evolving needs of today’s generation of moneymakers through cutting edge technology.

We lead millions of Filipinos — consumers, businesses, communities, and government agencies alike — into a version of the current digital economy that’s more inclusive, transparent, and empowering than ever.

We are powered by the country's only end-to-end digital payments company Maya Philippines, Inc. and Maya Bank, Inc. for digital banking services.

Maya Bank, Inc. and Maya Philippines, Inc. are regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph/