Head Retail Credit Risk and Asset Liability

Head of Credit Risk (Retail & Liquidity Oversight)

A leading financial institution is seeking a highly knowledgeable Head of Credit Risk (Retail & Liquidity Oversight) to provide expert guidance and oversight for its retail credit and liquidity risk management framework. This pivotal role offers you the opportunity to shape the organisation’s approach to risk, ensuring robust portfolio quality while supporting business growth. You will be at the forefront of implementing best-in-class risk strategies, collaborating with senior stakeholders, and empowering a talented team. The position is based in the vibrant heart of Bonifacio Global City, offering a modern workplace environment that values flexibility, professional development, and cross-functional collaboration. If you are passionate about driving responsible lending practices and safeguarding financial stability, this is your chance to make a significant impact within a supportive and forward-thinking organisation.

• Play a key role in shaping the retail credit and asset liquidity risk strategy for a major financial institution, working closely with executive leadership to ensure alignment with business objectives and regulatory standards.
• Enjoy a collaborative work culture that encourages knowledge sharing, continuous learning, and professional growth through exposure to both local and regional risk management practices.
• Benefit from flexible working opportunities in a dynamic corporate setting located in Bonifacio Global City, where your expertise will directly influence organisational success and customer trust

What you’ll do:

As Head of Credit Risk (Retail & Liquidity Oversight), you will play an instrumental role in guiding the organisation’s approach to managing both credit and liquidity risks across its retail banking operations. Your day-to-day responsibilities will involve close collaboration with senior leaders to set strategic direction for risk appetite while ensuring compliance with evolving regulatory requirements. You will drive excellence in credit underwriting processes, support operational teams in achieving their goals, and use advanced analytics to monitor portfolio health. By developing proactive action plans in response to early warning signals or market shifts, you will help safeguard the institution’s financial resilience. Additionally, you will oversee asset-liability management activities—ensuring sufficient liquidity under various scenarios—and lead your team towards technical mastery through ongoing training and mentorship. Your ability to balance analytical rigour with practical decision-making will be crucial in maintaining strong relationships across business units while delivering sustainable value.

• Oversee the full lifecycle of retail credit risk management, ensuring all activities align with the organisation’s risk appetite and strategic direction.
• Manage the underwriting process by upholding rigorous adherence to internal credit policies, procedures, and relevant local regulations.
• Support consumer credit operations by helping achieve collection targets and regularly reviewing credit limits for optimal portfolio performance.
• Monitor portfolio performance against established benchmarks, leveraging data-driven insights to inform strategic decisions on new initiatives or policy changes.
• Utilise segmentation analyses, scorecards, and policy frameworks to proactively identify emerging risks as well as growth opportunities within acquisition quality.
• Collaborate with business units to develop action plans in response to portfolio triggers or breaches, ensuring timely resolution of issues and maintenance of high-quality assets.
• Review and optimise country-level retail risk policies while aligning them with group-wide standards wherever possible.
• Establish robust monitoring mechanisms for ongoing assessment of portfolio health using Management Information Systems (MIS) to detect adverse trends early.
• Provide comprehensive oversight of asset and liquidity risk management activities, including stress testing scenarios to evaluate potential impacts on financial stability.
• Lead, mentor, and empower a team of managers by fostering skill development, cross-functional capabilities, and a culture of continuous improvement.

What you bring:

To excel as Head of Credit Risk (Retail & Liquidity Oversight), you bring extensive experience navigating complex credit environments within retail banking or similar sectors. Your background includes hands-on involvement with both traditional lending products and digital banking innovations—enabling you to adapt quickly as industry landscapes evolve. You possess deep technical knowledge spanning quantitative modelling techniques through qualitative policy development; this allows you not only to interpret data but also translate findings into actionable recommendations that resonate at board level. Your interpersonal strengths foster trust among colleagues at all levels—from direct reports seeking mentorship through executive stakeholders requiring concise updates on portfolio health. Integrity guides your actions; diligence ensures thoroughness; empathy supports your ability to nurture talent within your team. Above all else, your commitment to responsible stewardship underpins every decision—helping maintain public confidence while enabling sustainable growth.

• A minimum of 10 years’ experience in credit risk management or retail risk management within banking or financial services environments is essential for this role.
• Demonstrated expertise in liquidity risk management principles—including measurement techniques such as LCR (Liquidity Coverage Ratio), NSFR (Net Stable Funding Ratio), IRRBB (Interest Rate Risk in the Banking Book), stress testing methodologies, and scenario analysis—is required.
• Proven track record managing portfolios of retail loans: setting appropriate risk appetites; monitoring performance; implementing effective mitigation strategies; developing policies consistent with regulatory requirements.
• Advanced proficiency in data analysis tools such as Python, R or SAS is highly desirable for extracting actionable insights from complex datasets.
• Strong understanding of credit scoring models, statistical analysis methods, underwriting principles, and regulatory frameworks relevant to retail banking operations.
• Excellent communication skills are necessary for presenting complex risk assessments clearly to senior management as well as cross-functional teams.
• Exceptional problem-solving abilities enable you to address emerging issues promptly while balancing commercial objectives with prudent risk controls.
• Collaboration skills are vital for working effectively across departments—including treasury, business units, compliance functions—and building consensus around shared goals.
• Keen attention to detail ensures early identification of red flags or inconsistencies within large volumes of data or policy documentation.
• Professional qualifications such as CFA or FRM are advantageous but not mandatory; relevant degrees in Accounting & Finance, Business Administration, Statistics or Mathematics are preferred.

What sets this company apart:

This organisation stands out for its unwavering commitment to responsible banking practices combined with a progressive approach towards employee wellbeing. Located at the heart of Bonifacio Global City’s thriving business district, it offers an inspiring workplace designed for collaboration and innovation. Employees benefit from flexible working arrangements that promote work-life balance alongside access to ongoing training programmes aimed at enhancing both technical expertise and leadership capabilities. The company fosters an inclusive culture where diverse perspectives are valued—empowering individuals at every level to contribute meaningfully towards shared goals. With strong support from senior leadership and clear pathways for career advancement across local and regional teams alike, this is an ideal environment for professionals who seek purpose-driven work within a supportive network.

What's next:

If you are ready to take on a pivotal leadership role where your expertise can truly make a difference in shaping responsible banking practices—this is your moment!

Apply today by clicking on the link provided—your next career milestone 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.