Credit Policy Officer

About the Job

Location : Bonifacio Global City (BGC)

Corporate Title : Junior Officer to Manager

Work Arrangement : Hybrid

Our Consumer Lending team is looking for experienced professionals to join us in Bonifacio Global City (BGC) with the role of Credit Policy Officer .

In this role, you will develop and enhance credit policies across acquisitions, underwriting, portfolio management, and collections. You will assess portfolio trends, evaluate policy effectiveness, and ensure alignment with regulatory requirements. You will also collaborate with business units on product launches, ensuring sound risk criteria and a balanced risk-reward framework for the auto loans portfolio.

Your dream. Our focus.

East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.

We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.

Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.

What the role will entail

Develop and maintain updated and competitive credit policies for acquisitions, underwriting, portfolio management, and collections

Analyze portfolio performance, credit test results, and market trends to identify opportunities, risks, and policy enhancements

Update credit policy manuals based on performance outcomes and regulatory requirements

Collaborate with business units on product program launches and ensure robust risk acceptance criteria

Review and endorse credit-related documents such as program papers, process manuals, and internal communications within agreed timelines

Maintain a balanced risk-reward environment that supports portfolio growth, market share, and manageable credit losses

What we're looking for

Bachelor's degree in Business Management, Economics, Banking, Finance, or related fields

At least 5 years of experience in consumer credit risk management, credit processing, approvals, collections, or portfolio analytics within the banking industry

Strong analytical skills with experience in data mining tools such as SAS or decision tree platforms

Solid understanding of credit lifecycle management and regulatory compliance

Strong communication, strategic thinking, and decision-making skills

Willing to work onsite in BGC, Taguig

What you can expect from joining our team

Career development and training opportunities

Competitive salary package and benefits

Performance-based incentives and recognition programs to reward high-performing individuals

Opportunity to work with industry experts and be mentored by them

Defined career progression paths to guide you in your professional growth