Philippines Head of Credit Risk / Credit Risk Advisor

Philippines Head of Credit Risk / Credit Risk Advisor We are building a fintech focused on providing financing products to freelancers and independent contractors in the Philippines who earn income from foreign clients. We are looking for a senior credit risk professional with direct experience in Philippine consumer, SME, or digital lending to help us design our credit program and work with banking and lending partners. This is initially a consulting/fractional role, with the potential to develop into a long term Head of Credit position. What You Will Help With Design our initial credit and underwriting policy Define borrower eligibility criteria, credit limits, and approval rules Build an approach for underwriting freelancers with foreign income Determine appropriate affordability and repayment capacity metrics Develop expected loss, delinquency, and default assumptions Design portfolio monitoring and vintage analysis Recommend fraud and credit risk controls Help establish initial credit scorecards and decisioning rules Advise on collections and account management strategy Review loan economics and risk adjusted pricing Help prepare risk materials for discussions with Philippine banks and lending partners Participate in selected conversations with banking partners when appropriate Who We Are Looking For You should have meaningful experience in credit risk or lending in the Philippines, ideally at one or more of the following: Philippine bank or digital bank Consumer finance company Fintech lender Digital lending platform SME lender Strong candidates will have experience with several of the following: Consumer or SME underwriting Credit policy development Credit scorecards Portfolio risk management Delinquency and NPL analysis Vintage and cohort analysis Expected credit losses PD / LGD modeling Fraud risk Collections strategy Risk based pricing BSP or SEC regulated lending environments Experience at companies such as major Philippine banks, digital banks, Home Credit, Tala, Billease, Maya, GCash/Fuse, CIMB, Tonik, or similar lenders is especially relevant. Important We are not looking for a general financial analyst or someone whose experience is primarily accounting or corporate finance. We are specifically looking for someone who has worked directly with credit underwriting and the performance of an actual lending portfolio.