Area Risk Officer

About Asiacruit

At Asiacruit we connect top talent with forward-thinking organizations across industries. Our mission is to help businesses grow through smart strategic and people-focused solutions. If youre passionate about risk management compliance and enabling responsible lending practices wed love to have you on our team.

Position Overview:

The Area Risk Officer will lead risk management activities for lending operations within a designated region in the Philippines. This role is responsible for identifying assessing monitoring and mitigating credit operational and compliance risks across branch or regional lending channels. The Area Risk Officer partners closely with operations underwriting collections and compliance teams to ensure consistent risk frameworks strong controls and regulatory adherence while supporting business growth.

Key Responsibilities

1. Regional Risk Oversight

• Implement and maintain risk frameworks policies and procedures for lending activities in the assigned area.

• Monitor regional portfolio performance identify emerging risk trends and produce timely risk reports for senior management.

• Conduct periodic risk assessments and stress testing to evaluate portfolio vulnerability under varying scenarios.

2. Credit Risk Management

• Review credit underwriting practices and decisioning processes to ensure consistent application of credit policies.

• Advise on risk-adjusted pricing credit limits and approval authority for local lending products.

• Support case reviews of high-risk accounts exceptions and portfolio remediation plans.

3. Operational Risk and Controls

• Assess operational processes across onboarding disbursement servicing and collections to identify control gaps.

• Design implement and monitor corrective actions to strengthen internal controls and reduce loss events.

• Coordinate incident investigations and root-cause analysis for fraud process failures or regulatory breaches.

4. Compliance and Regulatory Alignment

• Ensure local lending operations comply with applicable Philippine laws regulations and regulatory guidance.

• Work with compliance and legal teams to implement regulatory changes and support audits and examinations.

5. Stakeholder Collaboration and Training

• Partner with branch managers sales underwriting and collections to embed risk-aware decision making into day-to-day operations.

• Deliver region-specific risk training and guidance to frontline staff and management.

6. Reporting and Analytics

• Prepare regular dashboards and narrative reports on key risk indicators (KPIs delinquencies NPLs charge-offs) for regional leadership.

• Leverage data to drive insights recommend remediation actions and track effectiveness of interventions.

7. Continuous Improvement

• Recommend process improvements automation opportunities and best practices to enhance efficiency and control effectiveness.

• Participate in cross-functional projects to support product launches policy updates and system implementations from a risk perspective.

Qualification

• Bachelors degree

• 25 years old or above rigorous and careful with strong sense of responsibility and risk sensitivity.

• More than 1 year of local collection or risk control experience in the Philippines priority given to those familiar with relevant businesses.

• Basic risk identification and data statistics capabilities proficient in using office software.

• Proficient in local Philippine languages basic English communication skills and familiar with local custom

Why Join Asiacruit

• Opportunity to shape risk practices for a fast-growing lending business in the Philippines.

• Work with a diverse collaborative team and gain exposure to regional operations.

• Competitive compensation and benefits aligned with experience.

To apply please visit or send your resume to with the subject line Area Risk Officer Your Name.