Bank Credit Risk Manager

Will lead the overall credit risk strategy and governance of Cebuana Lhuillier Bank. This role ensures that the Bank’s credit portfolio remains sound, profitable, and compliant with regulatory standards. The role involves establishing strong credit policies, overseeing risk assessments, and maintaining portfolio quality across all lending segments — including microfinance, consumer, and SME loans.Key ResponsibilitiesStrategic LeadershipDevelop, implement, and continuously improve the Bank’s credit risk management framework, policies, and procedures in line with BSP regulations.Drive the credit risk appetite and tolerance levels in alignment with the Bank’s overall business strategy.Provide strategic insights and recommendations to senior management and the Board Risk Oversight Committee.Credit Risk OversightOversee the evaluation, approval, and monitoring of credit exposures to ensure adherence to sound underwriting standards.Analyze portfolio trends, delinquency ratios, and risk concentrations; recommend corrective actions as needed.Lead the development and implementation of risk scoring models, stress testing, and credit risk analytics.Ensure early identification and mitigation of potential problem accounts or sectors.Policy and ComplianceEnsure full compliance with BSP Circulars, internal policies, and external audit requirements.Oversee the review and enhancement of credit manuals, risk rating systems, and approval authorities.Coordinate with internal audit, compliance, and collections to maintain portfolio integrity.Team Leadership and DevelopmentLead, mentor, and develop a team of credit risk professionals.Promote a culture of risk awareness, accountability, and continuous improvement.QualificationsBachelor’s degree in Accountancy, Finance, Economics, or a related field (CPA or MBA is an advantage).At least 10 years of progressive experience in credit risk management, with 5 years in a leadership or department head capacity.Strong knowledge of BSP credit risk regulations, Basel standards, and risk-based capital requirements.Proven experience in consumer, microfinance, or SME lending within a rural or thrift bank setup.Excellent analytical, decision-making, and stakeholder management skills.Strategic thinker with the ability to balance risk and business growth objectives.