Head of Credit Risk (Mobile Financing/Consumer Durables) Philippines

Job Title: Head of Credit Risk (Mobile Financing/Consumer Durables)
Location: Metro Manila, Philippines / Hybrid
Industry: Fintech / Consumer Lending / Retail (Mobile & Gadgets)

About the Role
We are seeking a strategic and data-driven Head of Credit Risk to lead our risk management function in the Philippines. You will be responsible for building and overseeing the entire credit lifecycle for our mobile phone installment products. You will balance rapid business growth with portfolio quality, leveraging alternative data to serve the underserved market. You will lead a team of analysts and credit officers to minimize delinquency (DPD) and charge-offs while optimizing approval rates.

Key Responsibilities
1. Credit Strategy & Policy Development

• Develop, implement, and monitor end-to-end credit risk strategies for mobile device installment plans (including 0% interest, 6/9/12-month terms).
• Design and calibrate risk-based pricing and down payment requirements tailored to different customer segments.
• Define credit policies regarding loan amounts, tenors, and required documentation for the Philippine market (e.g., valid IDs, proof of billing, employment verification).

2. Data & Scoring Models

• Lead the development and validation of credit scoring models. Given the "thin-file" nature of the Philippine market, you must leverage Telco data, utility payment history, and social media footprint alongside traditional credit bureau data (CIBI, TransUnion).
• Identify and integrate new alternative data sources (e.g., GCash transaction history, lending app behavior) to expand the addressable market safely.
• Work with engineering teams to automate decision-making engines.

3. Portfolio Management & Collections Strategy

• Monitor portfolio health through key metrics (Delinquency rates, Roll Rates, NPL, Recovery Rates).
• Segment the portfolio and implement dynamic collection strategies (Early/Late/Digital collections).
• Optimize the collection scoring models to prioritize high-risk accounts for external collection agencies or legal recovery.

4. Regulatory Compliance & Governance

• Ensure all credit processes comply with the regulations set by the SEC (Securities and Exchange Commission) , BSP (Bangko Sentral ng Pilipinas) if applicable, and the Data Privacy Act of 2012 (RA 10173) .
• Manage relationships with external auditors and regulators regarding credit risk reporting.
• Ensure fair lending practices and responsible collection conduct.

5. Fraud Prevention

• Collaborate with the fraud team to identify and mitigate first-party and third-party fraud rings common in the gadget financing space (e.g., synthetic identities, device flipping).
• Implement device-level tracking and blacklisting protocols.

6. Team Leadership

• Recruit, train, and mentor a local team of credit analysts and risk operations staff.
• Foster a culture of data-driven experimentation (A/B testing) and continuous improvement.

Qualifications & Requirements
Education:

• Bachelor’s degree in Finance, Statistics, Mathematics, Economics, or related field.
• MBA or Master’s degree in a quantitative discipline is a strong advantage.

Experience:

• Minimum 5-7 years of experience in Credit Risk Management, preferably in Fintech, Consumer Finance, or Retail Banking.
• Must have direct experience with the Philippine consumer credit market.
• Proven track record of managing a consumer loan portfolio (preferably unsecured or secured gadgets) in the Philippines.