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Risk Manager - Credit Design / Analytics
Risk Manager - Credit Design / AnalyticsNetbank • National Capital Region, Philippines
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Risk Manager - Credit Design / Analytics

Risk Manager - Credit Design / Analytics

Netbank • National Capital Region, Philippines
30+ days ago
Job description

The Risk Manager - Credit Design will be primarily responsible for ensuring the financial health and credit performance of the loan portfolios. This position requires a deep understanding of credit risk management, portfolio analysis, and lending practices. The successful candidate will play a pivotal role in developing and implementing strategies to mitigate credit risk, optimize portfolio performance, and support the growth of our lending business.


Credit Risk Modeling & Analytics

  • Develop and maintain databases for statistical analysis of historical loan performance.
  • Identify predictive criteria for loan losses and continuously refine risk models.
  • Conduct stress testing and scenario analysis to assess portfolio resilience.
  • Lending Criteria & Risk Mitigation

    • Define and optimize loan acceptance criteria for different programs.
    • Conduct in-depth loan reviews to understand risk drivers and refine credit policies.
    • Evaluate alternative data sources (e.g., CIC, alternative credit scoring models) to enhance risk assessment.
  • Credit Decision & Risk Management Tools

    • Assess and implement credit decision tools to streamline loan approvals.
    • Identify and remove non-value-adding risk mitigation steps in the lending process.
    • Lead projects to integrate advanced risk assessment models into lending workflows.

    Loan Product Development

    • Design tailored salary loan products that balance risk, profitability, and market demand.
    • Establish risk-adjusted pricing strategies based on data-driven insights.
    • Oversee product launches, ensuring seamless integration with marketing and operations.

    Portfolio & Limit Optimization

    • Develop strategies to maximize profitability while minimizing credit losses.
    • Set and review credit limits, ensuring compliance with risk management frameworks.
    • Diversify exposure across client segments to mitigate concentration risk.

    Process Optimization & Efficiency

    • Analyze lending workflows to identify inefficiencies and reduce processing time.
    • Automate and streamline risk assessment processes to enhance decision-making speed.
    • Support projects aimed at expanding loan product offerings and improving accessibility.

    Market & Competitive Analysis

    • Conduct ongoing market research to identify trends, opportunities, and competitive positioning.
    • Benchmark industry best practices to ensure continuous improvement in credit design.
    • Align salary loan offerings with evolving client needs and economic conditions.

    Regulatory & Compliance Oversight

    • Ensure all salary loan activities comply with internal policies and regulatory requirements.
    • Monitor key risk metrics and enforce timely interventions where necessary.
    • Prepare performance reports, providing insights into portfolio health, profitability, and risk levels.

    Cross-functional Collaboration

    • Work with sales, marketing, and operations teams to align credit strategies with business objectives.
    • Build partnerships with external data providers and fintech firms to enhance credit decisioning.

    Team Leadership & Development

    • Mentor and develop teams in credit risk analysis, portfolio management, and product innovation.
    • Drive a culture of data-driven decision-making and continuous improvement.

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    Risk Manager - Credit Design / Analytics • National Capital Region, Philippines

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