Head, Credit Risk and Collections

20 hours ago

Pasig, National Capital Region, Philippines Grab Full time ₱500,000 - ₱1,000,000 per year

Get to Know the Team

Grab's lending business (GFSA – Grab Financial Services Asia) refers to Grab's array of product and service offerings focused on extension of micro credit to drivers, agents and merchants in Grab's ecosystem. The GFSA team is composed of regional experts and deep local market operators across Southeast Asia. We are looking to put together the best team that is characterized by business acumen, industry expertise, and local market depth. The team will be responsible for end-to-end conceptualisation and development, and ongoing management of all lending activities in its focus markets and segments.

Get to Know the Role

The Head of Credit Risk & Collections manages the country's credit portfolio by developing, tracking, and overseeing credit risk management policies, procedures, and underwriting frameworks. You will work with the regional risk team and country operations to ensure risk goals are met. You chosen for this role will have the unique opportunity to grow professionally as the team embarks on this journey throughout the credit risk framework, from data integrity, to systems, reporting, and compliance.

Your role will directly report to the Director, Deliveries, Lending & Strategy. You will be based onsite at our Ortigas office with flexible work arrangements.

The Critical Tasks You Will Perform

  • You will manage credit quality (target NPL, write-offs) of all portfolios with the Regional Credit Risk Head
  • You will improve underwriting and customer portfolio management risk policies through use of analytics and strategies for consumer and SME portfolios
  • You will drive business agenda with potential partners and evaluate the right economics of risk and profitability
  • You will assist decisions through targeted acquisitions and profitability analysis
  • You will always monitor portfolio risk reports and use the reports to identify potential opportunities to enhance efficiency of credit processes
  • You will provide regular & ad hoc credit risk evaluation and advisory for regional teams and key stakeholders
  • You will lead a team of 2-5 credit risk members in consumer and SME to ensure risk and return profile is optimized and is within the GFSA risk appetite thresholds
  • You will understand and implement the best lending practices and embed successful acquisition strategies
  • You will assist product and credit programs, including the review and estimation of risk parameters, product pricing, product structure, and regulatory requirements
  • You will help set up of the compliance framework and help with regulatory reporting on an ad hoc basis.

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