Strategic Credit Policy Manager
3 days ago
EastWest Bank is seeking an experienced professional to join our Consumer Lending Team as a Strategic Credit Policy Manager in our Bonifacio Global City (BGC) site.
This role involves developing and updating credit policies for acquisitions, underwriting, portfolio management, and collections based on data analysis, economic indicators, and regulatory requirements. Key responsibilities include evaluating portfolio and industry trends, updating policy manuals, assessing portfolio quality, and ensuring compliance with relevant regulations.
The ideal candidate will have a deep understanding of consumer credit risk management and analysis, credit life cycle, and lending operations within the banking industry. They will be able to analyze data to inform strategic decisions, develop business strategies, and manage projects effectively.
We are looking for a results-driven individual who can balance risk and reward, drive profitability, and contribute to the bank's growth. If you have a passion for credit policy management and want to work with a dynamic team, please consider this opportunity.
Key Responsibilities:- Develop and maintain up-to-date, relevant, competitive credit policies covering acquisitions, credit underwriting, portfolio management, and collections/recovery based on portfolio data analytics, credit test results, and macro-economic indicators.
- Evaluate existing portfolio and industry trends to determine policies and strategies through data mining using various data mining tools such as SAS and Decision Tree.
- Update policy manual to incorporate policy amendments based on results of test program performance and portfolio analysis.
- Provide credit risk criteria, review and approve program and marketing papers, process manuals, IOMs, PPMs, etc. within agreed TAT and in accordance with relevant regulations.
- Coordinate with business on launch of product programs and ensure that it effectively carries out a focused target market strategy, suitable risk acceptance criteria, and profitability model.
- College graduate of any four (4) year course related to business management, economics, banking, and finance.
- Extensively exposed to consumer credit risk management and analysis, credit life cycle, and lending operations within the banking industry, or has at least 5-year experience in Credit Processing and Approvals, Collections Management, and Portfolio Management/Data Mining/Analytics.
- Willing to report onsite - BGC Taguig.
- Functional competencies:
- Balanced Risk Management with Profitability as end goal.
- Data Analysis.
- Business Strategy Formulation.
- Business and Industry Knowledge.
- Project/Program/Product Management.
- Critical and Analytical Thinking.
- Strategic Decision-Making and Foresight.
- Oral and Written Persuasive Communication.
- Attention to Detail.
- Sales and Business Disposition.
- Results-driven.
- Interpersonal Relations Skills.
- Multi-tasking.
- Negotiation/Building Partnerships.
- Creative Thinking.
- Customer Focus/Service.
- 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.
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