A. Credit Strategy & Policy Development

1. Develop, implement, and monitor end-to-end credit risk strategies for mobile device installment plans (including 0% interest, 6/9/12-month terms)

2. Design and calibrate risk-based pricing and down payment requirements tailored to different customer segments

3. Define credit policies regarding loan amounts, tenors, and required documentation for the Philippine market (e.g., valid government IDs, proof of billing, employment verification)

4. Lead the development and validation of credit scoring models. Given the thin-file nature of the Philippine market, leverage telco data, utility payment history, and other alternative data sources alongside traditional credit bureau data (CIBI, TransUnion)

5. Identify and integrate new alternative data sources (e.g., GCash transaction history, e-commerce behavior, social media footprint) to expand the addressable market safely

6. Work with engineering teams to automate decision-making engines and implement real-time underwriting systems

B. Portfolio Management

1. Monitor portfolio health through key performance metrics including:

   • Delinquency rates (30/60/90+ DPD)

   • Roll rates (30+ to 60+, 60+ to 90+)

   • Non-performing loan (NPL) ratio

   • Charge-off and recovery rates

   • Approval rates by segment

   • Risk-adjusted return on capital (RAROC)

2. Segment the portfolio and implement dynamic collection strategies (early-stage, late-stage, digital collections)

3. Optimize collection scoring models to prioritize high-risk accounts for external collection agencies or legal recovery

4. Develop early warning systems to identify deteriorating portfolio trends before they materialize into losses

C. Fraud Prevention & Device Risk Management

1. 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, identity theft, application fraud)

2. Implement device-level tracking and blacklisting protocols for unpaid devices

3. Design and implement a Device Lock/Kill Switch mechanism to remotely disable financed devices upon payment default

4. Establish device resale value assessment and collateral risk mitigation strategies

D. Regulatory Compliance

1. Ensure all credit processes comply with regulations set by the Securities and Exchange Commission (SEC) , including:

   • SEC Memorandum Circular No. 14, Series of 2025 (effective April 1, 2026): caps on effective interest rate at 12% per month, nominal interest rate at 6% per month, and total cost cap where the sum of all interest and fees cannot exceed 100% of the principal for unsecured loans of PHP 10,000 or less with repayment terms up to four months

   • Adherence to late payment penalty caps at 5% per month on the outstanding scheduled amount due

   • Compliance with the proposed lifting of the OLP moratorium (expected in 2026) and the associated stricter capitalization, disclosure, and consumer protection requirements for online lending platforms

2. Ensure compliance with the Data Privacy Act of 2012 (RA 10173) and NPC regulations governing collection, processing, and cross-border transfer of borrower personal data

3. Comply with Anti-Money Laundering Council (AMLC) requirements, including customer due diligence (KYC), record-keeping, and suspicious transaction reporting

4. Ensure compliance with the Financial Products and Services Consumer Protection Act (RA 11765) , including fair lending practices, transparent fee disclosure, and responsible collection conduct

5. Comply with SEC MC No. 19, Series of 2019 prohibiting unfair debt collection practices

6. Maintain compliance with the Truth in Lending Act (RA 3765) disclosure requirements

7. Register with the Credit Information Corporation (CIC) , submit borrower credit data, and access CIC credit information as part of the underwriting process

8. Manage relationships with external auditors and regulators regarding credit risk reporting

E. Team Leadership

1. Recruit, train, and mentor a local team of credit analysts, risk operations staff, and collection specialists

2. Foster a culture of data-driven experimentation (A/B testing) and continuous improvement

3. Establish clear KPIs and performance targets for the risk management team

4. Provide regular risk reports and strategic recommendations to senior management and the Board

F. Partner & Merchant Risk Management

1. Develop risk assessment frameworks for retail partners and merchants offering mobile phone installment plans

2. Monitor merchant performance and identify potential partner fraud or chargeback risks

3. Establish policies for merchant onboarding, ongoing monitoring, and termination based on risk performance

QUALIFICATIONS

Education & Professional Qualifications

• Bachelor‘s degree in Finance, Statistics, Mathematics, Economics, Business Administration, or a related quantitative field

• MBA or Master’s degree in a quantitative discipline (Finance, Data Science, Economics, or Statistics) is a strong advantage

• Professional certifications in risk management (e.g., FRM, PRM) are advantageous

Experience

• Minimum 5–8 years of experience in Credit Risk Management, with at least 3 years in Fintech, Consumer Finance, Retail Banking, or BNPL lending in the Philippines

• Must have direct experience with the Philippine consumer credit market and regulatory environment

• Proven track record of managing a consumer loan portfolio (preferably unsecured consumer durables or gadget financing) in the Philippines

• Experience in developing and validating credit scorecards and risk models using both traditional and alternative data sources

• Experience working with credit bureaus (CIBI, TransUnion) and alternative data providers

• Prior experience leading a risk management team of at least 3-5 members