Manager, Credit Risk & Collections (Secured & Consumer Lending)

Get to Know the Team

At Grab Financial Services Philippines our team is responsible for the complete lifecycle of lending activities from conceptualization to ongoing management across various markets and segments spanning consumer S/MSME and secured lending portfolios.

The Country Credit Risk & Collections Team works alongside the Regional Credit Risk & Collections team to:

• Implement credit risk and collections policies and procedures locally.
• Raise and address country-specific nuances and solutions.
• Monitor portfolio performance and collections effectiveness against set goals.
• Perform tasks across credit strategy portfolio growth credit policy and collections oversight.
• Develop country-specific credit risk and collections frameworks and align them with regional strategies.
• Collaborate with the Data Science team on credit models provisioning and risk methodologies.

Get to Know the Role

As Manager Credit Risk & Collections you will be playing a crucial part in managing our end-to-end credit risk and collections capability across secured consumer and S/MSME lending portfolios. This is a hybrid role spanning both credit risk and collections anchored in secured lending but deliberately generalist in scope you will manage risk and collections across the full breadth of the portfolio.

This position offers a unique opportunity to grow your career while contributing to Grabs expansion. Youll report directly to the Head of Credit Risk & Collections PH. The role is based onsite at our Ortigas Grab office.

The Critical Tasks You Will Perform

• Own end-to-end credit risk management across the portfolio underwriting strategy portfolio performance loan loss provisioning and model oversight.
• Build and manage the risk and collections framework for secured lending including collateral recovery and repossession considerations.
• Provide collections oversight across the lifecycle early-stage late-stage and recovery and align collections strategy with portfolio risk appetite.
• Manage the consumer and S/MSME lending portfolios alongside the secured book.
• Lead the analysis of portfolio and collections data using Python SQL and other tools to identify opportunities and risks.
• Coordinate with Regional Credit Risk & Collections Commercial Analytics Data Science and other relevant departments; develop and implement country-specific credit and collections frameworks and partnerships.
• Establish performance metrics and provide insights to enhance credit and collections models.
• Write and update credit risk and collections policies; design reports and dashboards to measure portfolio and collections performance.

Qualifications :

What Essential Skills You Will Need

• 8 years in credit risk management portfolio management collections and credit policy across the lending lifecycle. Experience in first- and/or second-line credit risk is required.
• Secured lending experience is a key requirement hands-on experience managing secured loan portfolios (auto lending strongly preferred) including collateral provisioning and recovery. Experience across unsecured consumer/retail loans and credit cards is also valued.
• End-to-end credit risk depth: proven oversight of underwriting portfolio optimization loan loss provisioning model governance and loss-budget management.
• Collections capability: demonstrated experience overseeing or partnering with collections functions across early-stage through recovery.
• Data Analysis Proficiency: expertise in Python and SQL for data analysis; knowledge of FICO platforms or R an advantage; strong data query/manipulation and visualization skills (Tableau Power BI).
• Analytical Skillset: ability to collect organize and analyze large data volumes accurately including data mining and segmentation.
• Regulatory Experience: experience managing regulatory approvals and other related regulatory compliance activities.
• Integrity and Leadership: reliability accountability and leadership operating as a senior member of the Credit Risk & Collections PH team.

Additional Information :

Life at Grab

We care about your well-being at Grab here are some of the global benefits we offer:

• We have your back with Term Life Insurance and comprehensive Medical Insurance.
• With GrabFlex create a benefits package that suits your needs and aspirations.
• Celebrate moments that matter in life with loved ones through Parental and Birthday leave and give back to your communities through Love-all-Serve-all (LASA) volunteering leave
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through lifes challenges.
• Balancing personal commitments and lifes demands are made easier with our FlexWork arrangements such as differentiated hours

What We Stand For at Grab

We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer we consider all candidates fairly and equally regardless of nationality ethnicity religion age gender identity sexual orientation family commitments physical and mental impairments or disabilities and other attributes that make them unique.

Remote Work :

No

Employment Type :

Full-time

Experience: years
Vacancy: 1