Head of Credit Strategy, Policy and Analytics

A leading financial institution in BGC, Taguig is seeking a Head of Credit Strategy, Policy and Analytics to spearhead the development and execution of robust credit policies, risk frameworks, and advanced analytics across the credit lifecycle. This pivotal role offers you the opportunity to shape the future of credit risk management by leveraging cutting-edge digital tools and collaborating with cross-functional teams.

What you'll do:

As Head of Credit Strategy, Policy and Analytics based in BGC, Taguig, you will play a central role in shaping the organisation’s approach to credit risk management. Your day-to-day responsibilities will involve collaborating across departments to integrate credit strategies into core business functions while leveraging advanced analytics to monitor portfolio health. You will drive automation initiatives that streamline decision-making processes using digital tools and alternative data sources. By partnering with technology teams, you will help modernise risk infrastructure for greater efficiency. Your oversight of portfolio performance will include optimising approval rates, assigning suitable credit lines, and enhancing collections strategies. Regulatory compliance will be paramount as you liaise with authorities on credit risk matters. Success in this role requires strong governance practices as well as the ability to build a cohesive team dedicated to achieving shared goals.

• Define, update, and maintain credit policies throughout all stages of the credit lifecycle while establishing clear risk appetite frameworks that support sustainable growth.
• Partner closely with product, marketing, and operations teams to ensure credit strategies are integrated seamlessly into business processes and customer offerings.
• Drive advanced credit analytics by developing and refining scoring models that accurately assess portfolio health and proactively address emerging risks.
• Monitor key business KPIs related to credit performance, conduct thorough product reviews, and provide actionable insights to senior management regarding portfolio trends and competitive positioning.
• Champion automation in decision-making processes by exploring digital tools and alternative data sources to enhance efficiency and accuracy.
• Collaborate with technology teams to modernise risk infrastructure and analytics platforms, ensuring they meet current industry standards and support future innovation.
• Oversee portfolio risk performance by initiating projects that optimise approval rates, assign appropriate credit lines, and improve collections strategies.
• Ensure strict adherence to local and international regulatory requirements by liaising with regulators and auditors on all matters related to credit risk.
• Maintain robust governance structures and documentation for all credit policies to ensure transparency, accountability, and compliance.
• Build, mentor, and lead a high-performing team of credit policy and risk analytics professionals while working closely with senior executives to align risk strategies with overall business goals.

What you bring:

The ideal candidate for Head of Credit Strategy, Policy and Analytics brings extensive experience in credit risk management gained from working within consumer lending products in the banking sector. Your academic background equips you with analytical rigour while your practical expertise enables you to develop effective policies that balance growth with prudent risk-taking. You have successfully implemented sophisticated analytics frameworks using statistical modelling or machine learning techniques tailored for portfolio optimisation. Your involvement in digital transformation projects demonstrates adaptability as well as technical proficiency. Regulatory awareness ensures compliance while your interpersonal skills foster trust among colleagues from diverse backgrounds. As a leader you nurture talent within your team by promoting collaboration towards common objectives.

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science or any related field is required; a Master’s degree is considered an advantage for this position.
• At least 12 years of experience in credit risk management within consumer lending products is essential for demonstrating deep industry knowledge.
• Proven track record in developing comprehensive credit policies, implementing robust risk analytics frameworks, and managing portfolios based on key performance indicators is highly valued.
• Strong familiarity with statistical modelling techniques as well as machine learning applications relevant to credit scoring is necessary for success.
• Experience leading digital transformation initiatives including AI/ML deployment in credit risk environments is desirable for candidates seeking this role.
• Deep understanding of local and international regulatory requirements along with industry best practices ensures effective compliance management.
• Excellent leadership skills demonstrated through building high-performing teams are crucial for fostering collaboration within the department.
• Outstanding communication abilities enable you to convey complex concepts clearly when engaging stakeholders at all levels.
• Advanced stakeholder management skills allow you to collaborate effectively across departments including product development, marketing, operations, technology teams, regulators, and auditors.
• Ability to maintain robust governance structures for documentation of policies supports transparency and accountability throughout the organisation.

What sets this company apart:

This organisation stands out as one of the most respected financial institutions in the Philippines due to its commitment to excellence in service delivery and its forward-thinking approach towards digital innovation. Employees benefit from working within a culture that prioritises professional development through ongoing training opportunities as well as exposure to transformative projects involving automation or AI/ML technologies. The company fosters inclusivity by encouraging collaboration across departments so every voice is heard when shaping strategy. Its location in BGC provides access to vibrant amenities while offering stability associated with established corporate governance practices. Staff enjoy generous pension contributions alongside flexible working arrangements designed to support work-life balance. The leadership team is known for being approachable providing guidance without micromanagement so employees feel supported throughout their career journey here.

What's next:

If you are ready to make a meaningful impact on the future of credit strategy within a leading financial institution this is your chance!

Apply today by clicking on the link provided.

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.