Credit Head - Business Loans (47672) - Makati

Salary : 35,000 - 50,000

Required Experience :

Proven 5-10 years’ experience as Credit Head in data analytics or similar role

Strong understanding of lending procedures, especially under Business Loans

Strong knowledge in banking and finance

Proficient in MS Excel

Strong leadership skills, proactive, and ability to collaborate cross-functionally.

Able to multitask

DUTIES

Supervise daily operations of the credit department

Evaluate credit worthiness of an applicant based on the existing credit evaluation process of the company

Make credit evaluation reports for approval

Contribute to the continuous improvement of the credit evaluation process including but not limited to quality of work and ways of working

Monitor performance including but not limited to default rate of applications processed and fulfillment of application turnaround time

Develop, implement, and continuously improve credit policies, risk assessment frameworks, and underwriting.

Lead the design, review, and iteration of credit models, including alternative behavioral scoring and the new system to be used for efficient in business operations

Oversee the credit underwriting process, ensuring adherence to established policies and achieving optimal turnaround times without compromising risk quality.

Work closely with product, data, and analytics teams to develop innovative credit decision tools and leverage alternative data sources.

Drive continuous improvement initiatives using advanced data analytics and market insights.

Lead process improvements to enhance credit cycle efficiency.