Risk Head for Credit Cards

About Us

Trusting Social is an AI fin-tech dedicated to advancing data science and technology to promote financial inclusion for all. We provide AI-powered credit risk identity and acquisition solutions for emerging markets partnering with banks to expand credit access to underbanked consumers. Since 2013 weve become the leading credit risk assessment platform in Southeast Asia with over 1 billion scored customers and $800 million in loans disbursed.

We collaborate with 130 financial institutions across Vietnam Philippines India and Indonesia and have raised $100 million in Series C funding to scale our new credit cards business. Our mission is to enable credit lines for 10M people in the Philippines India and Indonesia and were seeking passionate entrepreneurial and data-driven individuals to join our diverse team.

Headquartered in Singapore with offices in Ho Chi Minh City Hanoi Manila Jakarta Bangalore and Mumbai were guided by values like extreme ownership data-driven decision-making mindfulness and social impact. We aim to make universal financial inclusion a reality in Southeast Asia and India within the next decade and your expertise can help us achieve this goal.

How Youll Make an Impact

The Head of Risk is responsible for establishing and leading the organizations Enterprise Risk Management (ERM) framework across all risk domains including Credit Risk Fraud Risk Operational Risk Compliance Risk Model Risk and Enterprise Risk Governance. The role provides independent oversight of the Companys risk profile ensures adherence to regulatory requirements and advises executive management and the Board on risk strategy governance and risk-adjusted business decisions. The Head of Risk will play a critical leadership role in balancing prudent risk management with commercial growth in a regulated financial services environment.

What Youll Do

1. Enterprise Risk Framework & Governance

• Establish implement and continuously enhance the Enterprise Risk Management (ERM) framework across the organization.
• Define and recommend the Companys risk appetite statement risk tolerance limits and governance framework.
• Develop and maintain enterprise risk policies governance committees escalation protocols and reporting mechanisms.
• Ensure appropriate segregation of duties and independence of the second-line risk function.
• Prepare comprehensive risk reports and presentations for Executive Management Board Committees and the Board of Directors.
• Promote a strong enterprise-wide risk culture through governance and policy implementation.

2. Credit Risk Oversight

• Provide independent oversight of underwriting portfolio management collections recoveries and provisioning frameworks.
• Review challenge and approve credit policies to ensure alignment with the Companys risk appetite.
• Monitor portfolio performance across lending products including on-us lending co-lending credit cards and personal loans.
• Oversee stress testing scenario analysis and portfolio sensitivity assessments.
• Ensure robust governance over Expected Credit Loss (ECL) methodologies and credit provisioning processes.
• Monitor key credit risk indicators and recommend corrective actions where necessary.

3. Fraud Risk & Financial Crime Oversight

• Establish and oversee the enterprise fraud risk management framework covering prevention detection investigation and response.
• Monitor fraud controls across customer onboarding authentication and transaction lifecycles.
• Ensure compliance with Anti-Money Laundering (AML) Know Your Customer (KYC) sanctions and financial crime regulations.
• Analyze fraud trends emerging threats and loss events to strengthen fraud mitigation strategies.
• Partner with business and technology teams to enhance fraud prevention capabilities.

4. Regulatory & Compliance Risk Management

• Serve as the primary risk liaison with regulatory authorities including the Bangko Sentral ng Pilipinas (BSP).
• Ensure compliance with applicable banking consumer protection lending AML and financial services regulations.
• Lead risk-related regulatory examinations audits and supervisory reviews.
• Maintain regulatory risk registers and oversee timely remediation of audit and regulatory findings.
• Monitor regulatory developments and assess their impact on the organizations risk framework.

5. Operational & Model Risk Oversight

• Establish governance frameworks for operational risk technology risk outsourcing risk and business continuity management.
• Oversee model risk governance covering credit scoring decisioning and risk models.
• Ensure appropriate model development validation documentation performance monitoring and periodic review.
• Lead enterprise risk incident management and root cause analysis processes.
• Strengthen organizational resilience through business continuity and operational risk management initiatives.

6. Portfolio Performance Risk Monitoring & Reporting

• Develop enterprise risk dashboards management information reports and Board reporting frameworks.
• Monitor portfolio performance key risk indicators (KRIs) and risk appetite metrics across credit fraud liquidity operational and compliance risks.
• Collaborate with Finance Data Analytics and Business teams to provide meaningful portfolio risk and profitability insights.
• Conduct enterprise-wide risk assessments and emerging risk reviews.
• Escalate material risks and recommend mitigation strategies to Executive Management and the Board.

7. Strategic Risk Advisory

• Provide independent risk assessment and challenge for new products strategic initiatives partnerships and business expansion plans.
• Assess risk implications of market developments macroeconomic conditions and regulatory changes.
• Evaluate risk-adjusted profitability of lending initiatives and business proposals.
• Advise Executive Management on balancing growth objectives with prudent risk management.
• Support strategic decision-making through forward-looking risk analysis and scenario planning.

8. Team Leadership & Capability Building

• Build lead and develop a high-performing enterprise risk organization.
• Define responsibilities across Credit Risk Fraud Risk Operational Risk Compliance Risk and Risk Analytics functions.
• Foster a strong risk culture through coaching training and leadership.
• Develop talent and succession plans to strengthen organizational risk capabilities.
• Promote continuous improvement and best practices in risk management.

9. Cross-Functional Collaboration

• Partner with Product Business Development Finance Operations Technology Compliance and Customer Service teams to align business initiatives with the Companys risk appetite.
• Provide risk input during product development policy enhancements and strategic initiatives.
• Support customer issue resolution involving risk-related concerns and disputes.
• Collaborate with internal and external stakeholders to strengthen enterprise risk governance and operational effectiveness.

What Were Looking For

Educational Background

• Bachelors degree in Finance Economics Risk Management Business Administration Accounting or a related discipline.
• MBA FRM CFA or equivalent professional qualification is preferred.

Experience

• Minimum of 7-10 years of progressive experience in Risk Management within banking fintech consumer lending or financial services.
• Proven experience establishing or leading enterprise risk functions in regulated financial institutions.
• Experience engaging directly with regulators preferably the Bangko Sentral ng Pilipinas (BSP).
• Strong background in retail lending credit cards and consumer finance.
• Demonstrated experience across multiple risk disciplines including Credit Risk Fraud Risk Operational Risk Compliance Risk and Enterprise Risk.
• Experience in high-growth digital banking fintech or early-stage regulated environments is an advantage.

Technical & Functional Expertise

• Strong knowledge of Enterprise Risk Management (ERM) frameworks and governance practices.
• Expertise in credit risk management portfolio analytics and IFRS 9 Expected Credit Loss (ECL) methodologies.
• Understanding of credit risk modeling concepts including Probability of Default (PD) Loss Given Default (LGD) and Exposure at Default (EAD).
• Knowledge of fraud risk management AML/KYC controls and financial crime risk.
• Familiarity with Philippine banking regulations and regulatory reporting requirements.
• Experience developing enterprise risk reporting dashboards and governance frameworks.
• Strategic thinker with the ability to translate risk insights into actionable business decisions.

Preferred Skills & Competencies

• Executive presence with strong Board and senior leadership communication skills.
• Strategic leadership with the ability to balance risk governance and commercial objectives.
• Strong analytical problem-solving and decision-making capabilities.
• High integrity sound judgment and independence of thought.
• Excellent stakeholder management and cross-functional collaboration skills.
• Ability to lead and influence in lean fast-paced and high-growth organizations.
• Strong organizational and people leadership capabilities.
• Results-oriented with a proactive and forward-looking approach to risk management.
• Commitment to fostering a culture of accountability governance and continuous improvement.

Employment Type : Full-Time
Experience: years
Vacancy: 1