Head of Credit Risk (Mobile FinancingConsumer Durables)

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. We support companies by providing high-quality Philippine-based talent for both local and global markets.

If you are analytical collaborative and committed to maintaining strong credit quality while enabling sustainable business growth we invite you to apply.

About the Role

Head of Credit Risk (Mobile Financing / Consumer Durables)
Location: Metro Manila Philippines / Hybrid
Industry: Fintech / Consumer Lending / Retail (Mobile & Gadgets)

We are seeking a strategic and data-driven Head of Credit Risk to lead the credit risk management function in the Philippines. This role is responsible for building and overseeing the entire credit lifecycle for mobile phone installment products.

You will balance rapid business growth with portfolio quality leveraging alternative data to serve the underserved market. You will lead a team of analysts and credit officers with a strong focus on minimizing delinquency (DPD) and charge-offs while optimizing approval rates.

Key Responsibilities

1. Credit Strategy & Policy Development

• Develop implement and monitor end-to-end credit risk strategies for mobile device installment plans including 0% interest and 6/9/12-month terms

• Design and calibrate risk-based pricing and down payment requirements tailored to different customer segments

• Define credit policies covering loan amounts tenors and documentation requirements for the Philippine market (e.g. valid IDs proof of billing employment verification)

2. Data & Scoring Models

• Lead the development and validation of credit scoring models leveraging alternative data to address the thin-file nature of the Philippine market

• Utilize telco data utility payment history and social media footprint alongside traditional credit bureau data (CIBI TransUnion)

• Identify and integrate new alternative data sources including e-wallet transaction history and lending app behavior

• Work closely with engineering teams to automate credit decision-making engines

3. Portfolio Management & Collections Strategy

• Monitor portfolio performance using key risk metrics such as delinquency rates roll rates non-performing loans (NPL) and recovery rates

• Segment the portfolio and implement dynamic collection strategies across early late and digital collections

• Optimize collection scoring models to prioritize high-risk accounts for external collection agencies or legal recovery

4. Regulatory Compliance & Governance

• Ensure all credit processes comply with applicable Philippine regulations including SEC requirements BSP guidelines (if applicable) and the Data Privacy Act of 2012 (RA 10173)

• Manage relationships with external auditors and regulators related to credit risk reporting

• Ensure fair lending practices and responsible collection conduct

5. Fraud Prevention

• Collaborate with fraud teams to identify and mitigate first-party and third-party fraud risks common in the gadget financing space such as synthetic identities and device flipping

• Implement device-level tracking and blacklisting protocols

6. Team Leadership

• Recruit train and mentor a local team of credit analysts and risk operations staff

• Foster a culture of data-driven experimentation including A/B testing and continuous improvement

Qualifications & Requirements

Education

• Bachelors degree in Finance Statistics Mathematics Economics or a related field

• MBA or Masters degree in a quantitative discipline is a strong advantage

Experience

• Minimum of 57 years of experience in Credit Risk Management preferably in Fintech Consumer Finance or Retail Banking

• Direct experience with the Philippine consumer credit market is required

• Proven track record managing a consumer loan portfolio in the Philippines preferably unsecured or gadget-secured lending

Why Join Asiacruit

• Collaborative and diverse team with opportunities for international exposure and career growth

• Competitive compensation and opportunities for professional development

Ready to Make an Impact

Apply now at or send your resume to with the subject line:
Head of Credit Risk Your Name