Credit Card Portfolio Manager

2 weeks ago


Mandaluyong City, National Capital Region, Philippines Maya Full time

Maya Bank is looking for an experienced Credit and Portfolio Manager specializing in credit cards to join our team. The successful candidate will be responsible for overseeing the credit risk management function and optimizing the performance of our credit card portfolio. This role requires a deep understanding of credit card lending products, portfolio analysis, and risk management strategies.

Responsibilities:

1 Credit Risk Management:

  • Develop and implement credit risk policies and procedures for the credit card portfolio.
  • Conduct ongoing risk assessments and monitor key credit risk indicators.
  • Manage credit line assignments and adjustments, balancing risk and profitability objectives.

2 Portfolio Analysis:

  • Analyze portfolio performance metrics, including delinquency rates, charge-offs, and profitability.
  • Conduct segmentation analysis to identify high-risk segments and opportunities for portfolio growth.
  • Utilize data analytics and modeling techniques to forecast portfolio performance and assess the impact of credit strategies.

3 Strategy Development:

  • Develop and refine credit card acquisition, account management, and collections strategies.
  • Collaborate with cross-functional teams to optimize credit card portfolio performance.
  • Identify opportunities to enhance credit risk modeling and decisioning processes.

4 Regulatory Compliance:

  • Ensure compliance with regulatory requirements and internal policies governing credit card lending.
  • Stay informed about changes in regulations and industry best practices.
  • Work closely with Compliance and Legal teams to implement regulatory changes and mitigate compliance risks.

5 Reporting and Communication:

  • Prepare regular reports and presentations for senior management on portfolio performance and risk management activities.
  • Communicate key insights and recommendations to stakeholders across the organization.

Qualifications:

  • Bachelor's degree in Finance, Economics, Statistics, or related field; Master's degree preferred.
  • 8+ years of experience in credit risk management or portfolio management, with a focus on credit cards.
  • Strong understanding of credit card lending products, including underwriting criteria, pricing strategies, and account management practices.
  • Proficiency in data analysis and statistical modeling techniques.
  • Experience with credit risk scoring models and portfolio management.
  • Knowledge of regulatory requirements and industry best practices in credit card lending.
  • Excellent communication and interpersonal skills, with the ability to collaborate effectively across teams.

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