Credit Assessment- Manager

5 days ago

Bonifacio Global City Metro Manila, Philippines Hexaware Technologies Phil. Branch Full time ₱70,000 - ₱120,000 per year

Key Responsibilities

Leadership & Team Management

  • Lead, coach, and manage a team of Credit Assessors handling Australian residential mortgage applications.
  • Ensure team members are well-versed with lender credit policies, NCCP, AML/CTF obligations, and responsible lending guidelines.
  • Drive performance management, including setting goals, conducting reviews, and managing escalations.
  • Foster a culture of compliance, accuracy, accountability, and continuous improvement

Credit Assessment Oversight

  • Oversee the end-to-end credit assessment process, ensuring consistent and accurate decision-making.
  • Handle escalated or complex cases, providing clear direction and decision rationale.
  • Ensure the team adheres to APRA, ASIC, and lender requirements, mitigating risk for both client and customers.
  • Monitor and validate key risk indicators such as serviceability, loan-to-value ratios (LVR), debt-to-income ratios (DTI), and credit scoring outcomes.

Stakeholder Management

  • Act as the primary offshore point of contact for the client's onshore credit risk, operations, and compliance teams.
  • Build strong working relationships with Australian client stakeholders and respond effectively to queries, escalations, and audit requirements.
  • Participate in client governance meetings and provide reporting on team performance, compliance, and quality metrics.

Operational Excellence & Compliance

  • Monitor and manage team performance against SLAs: turnaround time (TAT), accuracy, and productivity.
  • Ensure compliance with NCCP Act, AML/CTF, KYC, Responsible Lending, and Lenders Mortgage Insurance (LMI) policies.
  • Implement quality control frameworks to minimize rework, errors, or compliance breaches.
  • Drive continuous process improvements, leveraging automation and best practices to enhance efficiency.
  • Support audit readiness and regulatory reporting requirements.

Qualifications & Experience

Mandatory:

  • Minimum 2–3 years' experience in Australian mortgage credit assessment, with at least 2+ years in a leadership/managerial role.
  • Strong knowledge of Australian residential mortgage products, lending structures, and credit assessment frameworks.
  • Experience in interpreting and applying NCCP, AML/CTF, and responsible lending obligations.
  • Exposure to mortgage origination systems (ApplyOnline, Salesforce, or equivalent).
  • Proven track record in managing offshore or high-volume mortgage assessment teams.

Preferred:

  • Prior experience in an offshore/onshore delivery model (e.g., Manila, India, or other BPO setups).
  • Exposure to multiple Australian lender credit policies and mortgage insurers (Genworth, QBE).
  • Formal qualifications in Finance, Accounting, or Mortgage/Banking desirable.

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