Credit Management Head Remote with Periodic RTO in Metro Manila, Philippines Industry: Banking About the Role We are seeking a highly experienced and strategic Credit Management Head to lead our credit risk strategy, policy development, underwriting functions and collections monitoring. In this pivotal role, you will be responsible for building and optimizing credit processes, developing advanced credit scoring models, and implementing data-driven decision frameworks to support sustainable growth in our consumer lending portfolio. Key Responsibilities: Credit Policy & Risk Frameworks: Develop, implement, and continuously improve credit policies, risk assessment frameworks, and underwriting standards to ensure sound portfolio performance. Credit Modeling & Analytics: Lead the design, review, and iteration of credit models, including alternative behavioral scoring and the integration of mobile payments data. Underwriting Oversight: Oversee the credit underwriting process, ensuring adherence to established policies and achieving optimal turnaround times without compromising risk quality. Portfolio Review & Risk Management: Conduct periodic portfolio reviews to identify trends, emerging risks, and opportunities for policy adjustments. Cross-Functional Collaboration: Work closely with product, data, and analytics teams to develop innovative credit decision tools and leverage alternative data sources. Performance Monitoring: Monitor and analyze credit performance metrics to ensure portfolio health and compliance with regulatory requirements. Continuous Improvement: Drive continuous improvement initiatives using advanced data analytics and market insights. Team Leadership: Build, mentor, and lead a high-performing credit management team. Ideal Candidate Profile At least 8 to 10 years of experience in credit risk management, underwriting, and policy development in consumer lending , ideally within fintech, retail, digital banking, or established financial institutions. Strong understanding of credit scoring models , behavioral scoring, and mobile payment data usage. Proven expertise in data analytics and translating insights into actionable strategies. Experience with alternative data-driven credit models is highly preferred. Strong leadership skills and ability to collaborate cross-functionally. Candidates from leading digital banking/fintech platforms are highly desirable. Preferred Background Experience in established consumer lending institutions ( large banks or top fintech companies ). Exposure to digital payments ecosystems and alternative credit evaluation methods Show more Show less