Credit Risk Officer

19 hours ago

Taguig, National Capital Region, Philippines UNO Digital Bank Full time $90,000 - $120,000 per year

About the Role

At UNO Digital Bank, we're building a future-ready financial ecosystem designed for speed, simplicity, and security. As a
Credit Risk Officer
, you will be at the forefront of safeguarding our loan portfolio through proactive credit risk monitoring, model validation, and regulatory compliance. This role is key in ensuring that UNO's credit risk framework remains robust, data-driven, and aligned with both internal policies and regulatory standards.

Responsibilities:

  • Portfolio Monitoring
    : Regularly monitor loan portfolio to evaluate compliance with regulatory requirements, credit limits, and bank policies—ensuring exposures remain within risk appetite.
  • ECL Model Validation
    : Conduct independent validation of Expected Credit Loss (ECL) models including PD, LGD, EAD, and macroeconomic overlays. Assess assumptions, data quality, segmentation, and calibration.
  • Backtesting & Benchmarking
    : Compare ECL outputs against actual loss outcomes, and review forward-looking scenarios and overlays for accuracy.
  • Loan Impairment Testing
    : Perform impairment analysis for individual accounts, factoring in probability of default, collateral, and cash flow projections to validate adequacy of reserves.
  • NPL Monitoring
    : Track non-performing loans, identify red flags, and recommend improvements to credit policies.
  • Deviation Review
    : Monitor approved deviations from credit standards and highlight risks to management.
  • Capital Adequacy Support
    : Assist in ICAAP requirements by assessing exposures and capital needs to safeguard against potential credit losses.
  • Stress Testing
    : Conduct credit stress testing to identify concentrations and vulnerabilities across loan portfolios.
  • Model Validation
    : Validate credit scoring models using statistical methods to ensure reliable credit decision-making.
  • Other Functions
    : Perform additional risk-related tasks as assigned.

Qualifications:

  • Bachelor's degree in
    Business Administration, Information Technology, Economics, or related field
    .
  • Strong analytical and quantitative skills with knowledge of credit risk management practices.
  • Familiarity with regulatory requirements and model validation techniques is a plus.
  • Excellent attention to detail, problem-solving skills, and ability to work cross-functionally.

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