Senior Credit Risk Manager

Location: Philippines; hybrid workplace

Company

Fintech company recognized by Fortune, CNBC, and Forbes for its impact and innovation.

What you will do

• Own risk performance across expansion-market portfolios throughout the customer lifecycle.
• Develop and execute credit strategies covering approval rates, credit limits, pricing, segmentation, and portfolio evolution.
• Monitor portfolio KPIs, identify emerging trends, and turn findings into strategy changes.
• Partner with Product and Data Science on features, model calibration, decisioning improvements, and A/B test design.
• Lead underwriting strategy and ongoing risk management for B2B2C partnership portfolios.
• Assess partner data, underwriting feasibility, expected performance, and risk-adjusted economics.

Requirements

• 6+ years of experience in unsecured consumer lending and hands-on ownership of credit portfolio performance in a high-volume, data-driven environment.
• Experience developing and executing credit strategies across approval policy, pricing, limit management, and portfolio segmentation.
• Strong analytical judgment for ambiguous situations and indirect data signals.
• Experience with partnership or B2B2C lending is advantageous; adapting underwriting frameworks to non-standard data environments is required.
• Proficiency in SQL is required; Python is preferred.
• Bachelor’s degree in finance, engineering, statistics, or a related discipline, with strong cross-functional communication skills.

Culture & Benefits

• Fast-paced, global environment with distributed teams across multiple time zones.
• Close collaboration with Product, Data Science, Finance, Capital Markets, and leadership stakeholders.
• Hybrid work arrangement.