Credit Systems Manager

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Position Title: Credit Systems Manager

Job Summary:

The position supports the Sr. Credit Acquisition Systems and Quality Control Manager and represents Credit Acquisition in the major MCC projects such as the launch of new products, the implementation of new systems, and system enhancements that involve the various MCC systems (e.g., CIA, APS, CLCB, etc.).  He/She is also responsible for managing the various parameters found in these systems.

The position is also responsible for the creation and successful implementation of strategies for risk and fraud detection checking in the Credit Acquisition's end-to-end processes. The strategies should be in constant champion-challenger environment.

The position is also responsible for the successful implementation of systems related initiatives of Credit Acquisition.

Finally, the position supports the quality assurance initiatives of the department, providing active guidance to the Process Control Group and Risk Self-Assessment teams.

Specific Duties and Responsibilities:

• Handling of Credit Acquisition Projects

• Represent Credit Acquisition in major initiatives/projects of MCC

• Ensure that new initiatives are conducted in a methodical manner.  Projects should be properly scoped, accurately documented, issues and risks are appropriately identified, and should have milestones, timelines, and cost analysis
• Achieve project deadlines
• Conduct proper change management, both from operational and people change management perspective
• Challenge existing procedures and ensure end-to-end processes are cost-efficient by maximizing system functionalities

• Handling of Credit Systems Parameter Maintenance Requests

• Reviews, analyzes and approves various parameter maintenance requests in various MCC systems (i.e., CIA, APS, CLCB, etc.) from Credit Acquisitions and other departments within the organization

• Represent CSQA in major initiatives/projects (i.e., new product type records, new systems, marketing promotions, etc.) of MCC requiring parameter maintenance initiation or maintenance
• Ensure that existing system parameter setups are reviewed and maintained, if necessary, after the implementation of new credit policies and procedures
• Monitoring and management of last account numbers of all product type records
• Monthly review of Due Days, Late Days, and Grace Days parameter settings in CIA
• Regular review of holiday table settings in CIA

• Support Key Performance Indicators of the Division (e.g., service indicator, accuracy, aging, efficiency, etc.)

• Create effective strategies to maximize resources within his team and elicit cooperation/teamwork across other teams to ensure that all performance indicators are met

• Provide regular update to team, peers, and supervisor
• Create an environment of continuous process improvement.
• Ensure that his team is properly capacitized

• Performance of Control Functions

• Evaluate testing of control processes and evaluate the results of the testing to determine the extent of problems within Credit Acquisition

• Evaluate the effectiveness of the control infrastructure (working with Credit Acquisition and Credit Risk as needed)
• Develop or enhance the RSA control test procedures
• Propose solutions to enhance existing Credit Acquisition processes, if necessary
• Provide proactive and creative advice and guidance on corrective actions to strengthen controls and thereby reducing the risk of fraud or operational failure
• Performs consistent and immediate feedback of quality control review results to the various Credit Acquisition units with findings/errors and ensures their timely resolution
• Create control processes where risks are anticipated or identified.  Escalate issues that may result to risk
• Conduct sampling of team member's work when necessary
• Ensure that his team members follow proper code of conduct
• Ensure that division is always audit-ready
• Give feedback to and cooperate with other departments outside Credit Acquisition

• Performance of Risk Self-Assessment Functions

• Regular evaluation of the effectiveness of the RSA infrastructure (working with Credit Acquisitions and Credit Risk as needed).

• Provide advice in the development or enhancement of RSA control test procedures.
• Propose solutions to enhance existing Credit Acquisitions processes, if necessary.
• Assist in the development of corrective action plans where control deficiencies are found.
• Provide proactive and creative advice and guidance on corrective actions to strengthen controls and thereby reducing the risk of fraud or operational failure.
• Identify trends within the business and take a proactive approach to resolve and identify potential issues.
• Work with Credit Acquisitions unit heads to share information, best practices, and status of corrective action efforts.

• Fraud Detection in Credit Acquisition

• Create strategies for fraud detection checking at different stages in the Credit Acquisition process flow

• Train credit acquisition assistants  in the proper detection of fraud
• Constantly challenge existing strategies (champion-challenger environment)

• Training

• Handle training requirements of the department through collaboration with the unit heads

• Liaise with HR- Corporate Learning and Development Unit, Customer Service, Fraud Unit, etc for the training needs of the department
• Maintain accurate record of training courses/workshops taken by staff and identifying future training initiatives
• Performs other tasks which may be assigned from time to time (eg. BORC, BCP, Cost Champion, Corp. Correspondents, Line trainer, e-Champ).

Qualifications:

• Bachelor's degree holder; preferably graduate of business course
• 3-4 years experience as a Credit Officer with knowledge on credit acquisition systems (i.e. application processing system); strong knowledge of end-to-end processes of Acquisition is a must.
• Has experience conducting control test and implementing corrective actions to improve credit processes.
• Strong orientation on credit risk assessment.
• Has experience in conducting inhouse training for credit team.
• Proficient in the following software applications: MS Word, MS Excel and MS PowerPoint

Other Details:

Rank: Junior Officer

Location: MCC, Makati City