Regional Risk Manager

Job Title: Regional Risk Manager (Philippines)
Location: Manila, Philippines
Department: Risk Management
Reports to: Head of Risk / Country Manager

Role Summary
We are looking for an experienced Regional Risk Manager to lead the credit risk team in a specific region of the Philippines. You will act as the bridge between headquarters and the front-line business, ensuring the accurate implementation of credit policies while making localized adjustments based on regional characteristics. You will manage the regional credit assessment team, monitor portfolio quality, and take ownership of the delinquency and charge-off rates in your region.

Key Responsibilities
1. Regional Credit Management

• Oversee the credit approval process for mobile phone installment businesses in the region, making final approval decisions within the authority delegated by headquarters.
• Monitor the quality of the regional asset portfolio, regularly generate regional risk reports, and identify early warning signals.
• Propose differentiated credit policy recommendations to headquarters based on regional customer segment characteristics.

2. Team Leadership & Training

• Lead, motivate, and evaluate the performance of front-line credit officers and field verification teams in the region.
• Organize regular training sessions to ensure the team understands the latest credit policies and anti-fraud rules.
• Build a talent pipeline and develop local key staff.

3. Store & Channel Risk Control

• Maintain communication with the sales team and dealer/store partners to assess and grade channel quality from a risk perspective.
• Handle store appeals regarding rejected cases to balance customer experience and risk control.
• Conduct regular risk inspections at partner stores to prevent internal and external collusion fraud.

4. Anti-Fraud Execution

• Implement the headquarters' anti-fraud strategies and identify common local fraud patterns.
• Establish regional blacklist and greylist mechanisms.

5. Localized Process Optimization

• Optimize interview scripts and document verification processes based on the characteristics of customers in the region.
• Manage post-loan follow-up and verification work in the region.

Qualifications

• Education: Bachelor's degree or above in Finance, Management, or related fields.
• Experience: 5-10 years of experience in consumer FINTECH, HOME CREDIT, CASH LOAN, DEVICE or CREDIT COMPANY. Must be familiar with the local Philippine market.
• Anti-Fraud Investigation experienced.

Skills:

• Familiar with the credit approval process and basic risk indicators.
• Strong data analysis skills, proficient in using Excel for data pivot and analysis.
• Good communication and coordination skills, able to handle conflicts with business departments.
• Proficiency in local languages is a plus.
• Willingness to travel within the region for store visits.

Key Performance Indicators

• Delinquency rate of the region under jurisdiction.
• Approval rate and turnaround time.
• Team professional ability improvement and retention rate.