Credit Risk Acquisition Officer

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Position Title: Credit Risk Acquisition Officer

Job Summary:

• This position is responsible for developing, implementing, and overseeing the credit risk acquisition management framework for consumer lending products, with specific focus on acquisition, portfolio analytics, and collections. The role requires strong analytical capabilities, experience in credit risk assessment, and the ability to drive performance through effective risk strategies. Success in this role will be measured by achieving the following key outcomes:

1. Effective Credit Risk Management: Ensuring that all credit risks – whether from new accounts, existing portfolios, or delinquent segments – are identified, assessed and mitigated to protect the asset quality and profitability.
2. Innovative Risk Strategies and Solutions: Designing and deploying tools, scorecards (application, behavioral, collections/ECL), and frameworks that enhance credit evaluation, monitoring, and mitigation across the consumer credit lifecycle.
3. Regulatory Compliance: Maintaining full compliance with regulatory requirements and internal policies, ensuring zero significant findings during audits.
4. Collaboration and Development: Fostering a collaborative, high-performance culture and continuously upgrading skills and knowledge relevant to credit risk management.

Role Exposure:

1. Risk Assessment and Management:

• • Develop and oversee credit risk models (e.g., application, behavioral, collections/ECL scorecards) and methodologies to enhance the accuracy of creditworthiness assessments and reduce potential losses
  • Ensure robust risk assessment processes for all consumer lending products by maintaining high asset quality and minimize default risks.

2. Portfolio Performance Monitoring, Analytics and Reporting:

• Monitor and report on key credit risk metrics (e.g., delinquency rates, charge-offs, portfolio performance) to provide timely insights and recommendations to stakeholders for proactive risk management.
• Build and maintain historical databases for risk analysis to enable data-driven decision-making and continuous improvement of risk models.
• Identify emerging risks and trends to equip senior management with actionable intelligence for strategic planning.

3. Credit Risk Mitigation and Strategy

• Identify risky segments and recommend exclusion or controls to prevent onboarding of high-risk profiles and improve overall portfolio quality.
• Conduct credit testing to explore new segments to support business growth while maintaining risk appetite and asset quality.
• Recommend policy enhancements based on internal and external factors to align risk exposure with the bank’s capital, capabilities, and market conditions.

4. Stakeholder Engagement:

• Collaborate with underwriting, collections, compliance and finance teams to ensure a unified and effective approach to credit risk management.
• Communicate strategies and performance to CBS stakeholders, senior management and the Board of Directors to promote transparency and informed decision-making at all levels.

5. Regulatory Compliance:

• Ensure awareness and adherence to all regulatory requirements to achieve full compliance and avoid audit findings or penalties.
• Review and recommend credit policies and procedures to maintain sound lending practices and appropriate risk tolerance.

Qualifications:

• Bachelor’s degree in Mathematics, Statistics and Data Science.
• Minimum of two (2) years in consumer banking operations, credit risk management, and relevant managerial experience
• Experience in SAS or Python is an advantage
• Strategic thinking and leadership
• Strong analytical and decision-making skills
• Effective communication and presentation skills
• High integrity and work ethic
• Proficiency in Microsoft Office and data analytics tools

Other Details:

Rank: Junior Officer

Unit: Risk Management Group / Credit Risk Division / Consumer Credit Risk Department
Location: Metrobank Center, BGC, Taguig City