Risk Manager

Responsibilities

• Monitor and analyze credit portfolio performance for the Philippines business, tracking key risk metrics and producing regular reporting for senior stakeholders
• Execute data-driven analyses to assess the impact of credit policy changes before and after implementation, working within the framework set by senior risk leadership
• Build and maintain analytical tools, dashboards, and automated reports using SQL and Python to support ongoing risk monitoring and reduce manual effort
• Apply and track predictive credit models in production — flagging performance changes, documenting findings, and surfacing recommendations to senior leadership
• Leverage modern AI-powered developer tools (such as Claude Code) to automate recurring processes and improve the reliability of credit risk workflows
• Work closely with Philippines country operations, collections, and product teams to ensure credit risk considerations are reflected in day-to-day decisions
• Support compliance with BSP (Bangko Sentral ng Pilipinas) requirements and other applicable regulatory obligations for the Philippines market
• Grow into a team leadership role as the Philippines business and Bangalore hub scale — this is an IC position today with a supported and well-defined path to managing others

Requirements

• 4–7 years of experience in credit risk, consumer lending, or a closely related analytical role
• Experience with Southeast Asian lending markets preferred; familiarity with the Philippines consumer finance landscape or BSP regulatory environment is a strong plus
• Strong track record of independently owning analytical projects from brief through to delivery, without requiring significant oversight
• Solid technical skills in SQL and Python — you use these tools to do real work, not just to demonstrate proficiency
• Exposure to credit scoring models or ML-based risk tools; comfortable interrogating model outputs and translating them into clear findings
• Comfortable using modern AI tools to automate recurring tasks and improve analytical throughput
• Highly organized and reliable — you keep your work on track, communicate proactively, and close your loops
• Clear written and verbal communication skills; able to present findings to both technical peers and non-technical business stakeholders
• Comfortable working across time zones to collaborate with Philippines-based operations teams
• English required; Filipino language skills are a plus