Product Risk Manager

Seeking strong Retail or Wholesale Credit Risk candidates, ideally with Data skills to join a leading bank in the Philippines.

Product Risk Manager

Salary: Competitive and based on experience

Location: Makati

Keywords: risk management, retail credit, auto loan portfolio, policy creation, portfolio analysis, regulatory compliance, data analysis, report generation, process improvement, collaborative environment

An exciting opportunity awaits you as a Product Risk Manager, where your expertise will be instrumental in shaping the risk management framework for a leading retail bank and its affiliates. This role offers the chance to make a significant impact by developing and refining policies, overseeing their implementation, and ensuring robust controls are in place to manage both emergent and existing risks. You will be at the forefront of portfolio analysis, risk identification, and assessment, working closely with various teams to support business growth while maintaining high standards of risk oversight. The organisation is renowned for its values-driven culture, commitment to employee well-being, and recognition as an employer of choice. With a focus on work-life balance, professional development, and a supportive environment, this is an ideal setting for those who are passionate about making a difference in financial services.

• Play a pivotal role in developing and implementing comprehensive risk management frameworks that directly influence the success of retail banking products across subsidiaries and affiliates.
• Enjoy a collaborative workplace that values your analytical skills, encourages process improvement, and supports your professional growth through ongoing training opportunities.
• Be part of an award-winning organisation celebrated for its inclusive culture, industry-leading engagement initiatives, and dedication to work-life balance.

What you'll do:

As a Product Risk Manager, you will immerse yourself in the dynamic world of retail banking by taking ownership of risk management activities for key asset products. Your day-to-day responsibilities will involve conducting thorough analyses of auto loan portfolios, generating comprehensive reports that highlight potential risks or opportunities, and collaborating closely with business units to ensure that growth is always supported by robust controls. You will play an essential role in reviewing existing policies, identifying areas for enhancement, and ensuring that all procedures align with regulatory expectations. By communicating your insights clearly across multiple levels of the organisation, you will help shape effective strategies that safeguard both profitability and compliance. Your ability to plan meticulously, automate processes where possible, and present complex information in an accessible manner will be crucial in driving continuous improvement within the team.

• Conduct regular reviews, detailed analysis, and continuous monitoring of the retail credit auto loan portfolio across the bank’s network to proactively identify emerging risks as well as opportunities for improvement.
• Generate insightful reports using advanced data analysis techniques to monitor limits and ensure quality risk management practices are consistently applied.
• Review policies, guidelines, and operational manuals thoroughly while collaborating with business units to support profitable growth underpinned by sound risk controls.
• Communicate clear assessments of portfolio performance and risk exposure based on internal data, market trends, and economic indicators to inform strategic decision-making at all levels of management.
• Continuously evaluate and enhance credit policies and procedures to maintain alignment with regulatory requirements and best practice risk management frameworks.
• Plan tasks effectively by allocating time wisely, prioritising responsibilities, and making considered decisions to achieve optimal execution of job functions.
• Engage in cross-functional projects aimed at automating processes and improving current workflows for greater efficiency within the risk management function.
• Present findings and recommendations persuasively to stakeholders across the organisation to foster awareness and drive informed business strategies.
• Maintain open communication channels with both internal teams and external partners to ensure seamless policy implementation and compliance.
• Undertake additional related tasks as assigned from time to time to support the evolving needs of the business.

What you bring:

In this Product Risk Manager position, your proven background in financial services—particularly within risk management—will be invaluable. You bring not only technical expertise but also strong interpersonal skills that enable you to collaborate effectively across departments. Your academic foundation equips you with the theoretical knowledge required for complex portfolio analysis while your hands-on experience ensures practical application in real-world scenarios. Proficiency in data tools such as MS Excel or MS Access allows you to generate meaningful insights from large datasets; any additional programming knowledge further enhances your ability to streamline operations. Your approach is marked by careful planning, attention to detail, adaptability under pressure, and a genuine commitment to continuous improvement. These qualities ensure you can contribute positively both independently and as part of a wider team focused on delivering outstanding results.

• Hold a bachelor’s or college degree in Computer Science/Information Technology, Mathematics/Statistics, Business Studies/Administration/Management, Commerce, Economics, Finance/Accountancy/Banking or a related field.
• Demonstrate at least four years of relevant experience with a solid grounding in risk management principles within financial services; familiarity with auto loan products is highly desirable.
• Possess strong proficiency in MS Excel and MS Access for data analysis; knowledge of Python programming is considered an advantage for process automation initiatives.
• Exhibit highly developed analytical abilities complemented by skills in programming and report creation to support data-driven decision-making.
• Showcase project management capabilities alongside excellent presentation skills for sharing insights with diverse audiences.
• Communicate effectively at all organisational levels as well as with external parties to facilitate smooth policy implementation and stakeholder engagement.
• Display adaptability when navigating changing environments while maintaining keen attention to detail throughout all aspects of your work.
• Demonstrate a willingness to continuously improve processes by seeking out automation opportunities that enhance efficiency within the team.

What sets this company apart:

This organisation stands out as one of the most respected names in Philippine banking due to its unwavering commitment to employee well-being and professional development. Recognised globally for its values-based culture—recently ranked among Forbes’ World’s Best Employers—the company fosters an environment where every individual feels valued through its Employee Value Proposition: “YOU matter.” Employees benefit from flexible working arrangements designed around work-life balance as well as access to industry-leading engagement programmes that promote inclusivity and personal growth. The company’s long-standing reputation for stability is matched only by its forward-thinking approach towards human capital management—making it an exceptional place for talented professionals seeking both challenge and support on their career journey.

What's next:

If you are ready to take your career in risk management to new heights within an award-winning financial institution committed to your growth—this is your moment!

Apply today by clicking on the link provided—your next rewarding opportunity awaits.

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