422 Credit Management jobs in the Philippines

Credit Risk Department Head

Location: Makati

Employment Type: Full-time (Monday – Friday, Morning Shift)

Compensation: Up to PHP 70, ,000 (Basic) + Competitive Benefits

Perks & Benefits

• Fixed allowances & leave credits
• Annual guaranteed bonus (released quarterly)
• De Minimis and other allowances
• Performance incentives
• Comprehensive insurance coverage
• Retirement plan
• Car loan entitlement & benefits
• Other exclusive executive perks

Role Overview

The Credit Risk Head is responsible for safeguarding the bank's portfolio by overseeing all credit risk activities across retail and corporate lending. This role ensures well-balanced credit decisions, policy compliance, and proactive risk management while providing strategic direction to the department.

Key Responsibilities

Credit Risk Strategy & Oversight

• Establish and enforce credit risk policies, standards, and approval criteria in line with regulatory guidelines.
• Lead credit underwriting and due diligence for retail and corporate accounts.
• Monitor and manage the overall credit portfolio, identifying early warning signals and implementing corrective measures.

Reporting & Compliance

• Ensure strict compliance with BSP regulations, internal audit standards, and bank policies.
• Prepare and present portfolio reviews, risk assessments, and trend reports to Senior Management and the Board.
• Partner with business units to minimize NPLs and reduce delinquency rates.

Leadership & Team Management

• Lead the Credit Risk Department, setting performance objectives, budgets, and operational targets.
• Mentor and evaluate staff, building a culture of accountability and high performance.
• Oversee team schedules and day-to-day operations for maximum efficiency.

Advisory & Collaboration

• Provide recommendations on accounts requiring special management or legal action.
• Contribute insights during strategy meetings and cross-departmental initiatives.
• Participate in training and development programs to strengthen organizational risk awareness.

Job Type: Full-time

Pay: Php100, Php120,000.00 per month

Application Question(s):

• Do you have experience handling corporate accounts
• How much is your current salary?
• How much is your expected salary?

Work Location: In person

Credit Management Head

Remote with Periodic RTO in Metro Manila, Philippines

Industry: Banking

• We are seeking a highly experienced and strategic Credit Management Head to lead our credit risk strategy, policy development, underwriting functions and collections monitoring.
• In this pivotal role, you will be responsible for building and optimizing credit processes, developing advanced credit scoring models, and implementing data-driven decision frameworks to support sustainable growth in our consumer lending portfolio.

Key Responsibilities:

Credit Policy & Risk Frameworks:

• Develop, implement, and continuously improve credit policies, risk assessment frameworks, and underwriting standards to ensure sound portfolio performance.

Credit Modeling & Analytics:

• Lead the design, review, and iteration of credit models, including alternative behavioral scoring and the integration of mobile payments data.

Underwriting Oversight:

• Oversee the credit underwriting process, ensuring adherence to established policies and achieving optimal turnaround times without compromising risk quality.

Portfolio Review & Risk Management:

• Conduct periodic portfolio reviews to identify trends, emerging risks, and opportunities for policy adjustments.

Cross-Functional Collaboration:

• Work closely with product, data, and analytics teams to develop innovative credit decision tools and leverage alternative data sources.

Performance Monitoring:

• Monitor and analyze credit performance metrics to ensure portfolio health and compliance with regulatory requirements.

Continuous Improvement:

• Drive continuous improvement initiatives using advanced data analytics and market insights.

Team Leadership:

• Build, mentor, and lead a high-performing credit management team.

Ideal Candidate Profile

• At least 8 to 10 years of experience in credit risk management, underwriting, and policy development in consumer lending, ideally within fintech, retail, digital banking, or established financial institutions.
• Strong understanding of credit scoring models, behavioral scoring, and mobile payment data usage.
• Proven expertise in data analytics and translating insights into actionable strategies.
• Experience with alternative data-driven credit models is highly preferred.
• Strong leadership skills and ability to collaborate cross-functionally.
• Candidates from leading digital banking/fintech platforms are highly desirable.

Preferred Background

• Experience in established consumer lending institutions (large banks or top fintech companies).
• Exposure to digital payments ecosystems and alternative credit evaluation methods

Job Type: Full-time

Benefits:

• Additional leave
• Company Christmas gift
• Flexible schedule
• Flextime
• Health insurance
• Pay raise
• Promotion to permanent employee
• Work from home

Work Location: Remote

At SKYGO, we value holistic career growth while ensuring that employees attain good work-life balance. We invest on our People and encourage intensive competency trainings for personal and professional development. We take pride in delivering quality results in a culture of camaraderie that allows our members to become more productive. SKYGO is also a globally certified Great Place to Work.

When you join the SKYGO family, you become a part of our dynamic and growing family as we continue to search for a competent, passionate, and happy colleague who will help us deliver the company's brand promise:

The Best For You

We are hiring for:

CREDIT MANAGEMENT MANAGER

The Credit Management Manager leads and manages the credit management function, balancing the need to extend credit to customers with the imperative to mitigate credit risk. This includes evaluating creditworthiness, establishing credit limits, and developing strategies to minimize bad debt exposure. By implementing effective credit policies and procedures, the Credit Management Manager aims to enhance cash flow, reduce financial risk, and foster positive relationships with customers.

Competencies:

Strategic Management

• Contribute to strategic decision-making related to sales, collection, and adjustments of receivables.
• Collaborate with management to develop and implement credit management strategies.
• Recommends strategies to minimize credit risk.

Financial Management

• Manage the Credit Management budget, ensuring effective allocation of resources for projects and day-to day operations.
• Provide financial analysis and insights to support decision-making.

People and Performance Management

• Lead and mentor a team of credit bookkeepers, providing guidance, training, and performance feedback.
• Foster a collaborative and high-performance team culture.

Policies and Procedures Development

• Develop and implement credit policies and procedures in line with industry best practices and regulatory requirements.
• Ensure policies are communicated and adhered to across the organization.

Compliance and Internal Control

• Ensures that policies, procedures, and controls in the credit management processes are being implemented
• Identifies control gaps and proposes control processes in the business transactions of the company and ensures it addresses control issues.
• Ensures all receivable and intercompany account balances are reconciled timely and reconciling items are also addressed timely.

Financial Reporting

• Consolidates and prepares sales and collection reports monthly, yearly, or as needed.
• Ensures reports are timely prepared, and presented in compliance with Philippine Financial Reporting Standards
• Oversees the month-end reporting processes and ensures timely and accurate execution of month-end checklist.
• Prepares other financial reports as required by Management
• Supervise and lead supplier master file management, inventory, and fixed asset accounting processes, ensuring accurate and timely recording of transactions.

Credit Risk Management

• Review aging of receivables on a monthly basis
• Ensures monthly issuance of statement of accounts of receivables from dealers
• Coordinate with the Financing Team to determine if there's a need to provide provision for customer accounts.
• Conducts monthly operations meeting with FBU to follow through on collection status including accounts subject to repossession

Transaction Processing

• Ensures timely and accurate incentives and commissions computation and payout
• Ensures timely billing of intercompany transactions
• Ensures timely updating of product pricing and discounts
• Ensures timely approval of credit application of dealers

Financial Analysis

• Provide insights and analysis on receivable and revenue related financial data.
• Performs financial analysis versus budget
• Assist FP&A in the monthly financial analysis of the companies' performance
• Provides reports and schedules as needed by FP&A and other stakeholders

Effective Collaboration

• Work closely with departments or BUs to ensure seamless coordination of credit management -related activities.
• Collaborate with teams to address any discrepancies or issues related to credit management.

Workplace Safety and Security Compliance Management

• Implements workplace safety and security policies within the Credit Management department.

Qualification Standards:

Education

• Bachelor's degree in Accountancy or any Accounting-related course

Experience

• Professional: At least 5 years of relevant work experience Leadership: At least 2 years of leadership experience

Training

• CISA

Certifications and Licenses

• Certified Public Accountant (CPA) is preferred

Others

• Strong leadership and team management skills.
• Excellent analytical and problem-solving abilities.
• Effective communication skills for both internal and external stakeholders.
• Detail-oriented with a focus on accuracy.
• Proficient in accounting system and software

Credit Management Head

Remote with Periodic RTO in Metro Manila, Philippines

Industry: Banking

• We are seeking a highly experienced and strategic
  Credit Management Head
  to lead our credit risk strategy, policy development, underwriting functions and collections monitoring.
• In this pivotal role, you will be responsible for building and optimizing credit processes, developing advanced credit scoring models, and implementing data-driven decision frameworks to support sustainable growth in our consumer lending portfolio.

Key Responsibilities:

Credit Policy & Risk Frameworks:

• Develop, implement, and continuously improve credit policies, risk assessment frameworks, and underwriting standards to ensure sound portfolio performance.

Credit Modeling & Analytics:

• Lead the design, review, and iteration of credit models, including alternative behavioral scoring and the integration of mobile payments data.

Underwriting Oversight:

• Oversee the credit underwriting process, ensuring adherence to established policies and achieving optimal turnaround times without compromising risk quality.

Portfolio Review & Risk Management:

• Conduct periodic portfolio reviews to identify trends, emerging risks, and opportunities for policy adjustments.

Cross-Functional Collaboration:

• Work closely with product, data, and analytics teams to develop innovative credit decision tools and leverage alternative data sources.

Performance Monitoring:

• Monitor and analyze credit performance metrics to ensure portfolio health and compliance with regulatory requirements.

Continuous Improvement:

• Drive continuous improvement initiatives using advanced data analytics and market insights.

Team Leadership:

• Build, mentor, and lead a high-performing credit management team.

Ideal Candidate Profile

• At least 8 to 10 years of experience in credit risk management, underwriting, and policy development in
  consumer lending
  , ideally within fintech, retail, digital banking, or established financial institutions.
• Strong understanding of
  credit scoring models
  , behavioral scoring, and mobile payment data usage.
• Proven expertise in
  data analytics
  and translating insights into actionable strategies.
• Experience with
  alternative data-driven credit models
  is highly preferred.
• Strong leadership skills and ability to collaborate cross-functionally.
• Candidates from leading digital banking/fintech platforms are highly desirable.

Preferred Background

• Experience in established consumer lending institutions (
  large banks or top fintech companies
  ).
• Exposure to digital payments ecosystems and alternative credit evaluation methods

Job Responsibilities:

• Supervises and performs various daily and monthly credit management tasks to ensure effective credit management practices in the company
• Participates and leads projects needed to implement credit management in the company
• Enforces credit management guidelines to the various products, channels and locations
• Participates and leads system enhancements and implementations for credit management efforts
• Mentors, monitors and trains credit management staff
• Recommends improvements that can be made for the credit management guidelines and process
• Performs other tasks as needed and as assigned by superior

Qualifications:

• With a Bachelor's degree in Accountancy or any Finance-related course
• With at least 4 years of related experience in the field
• Experience in people management is preferred but not required
• With good communications skills
• With critical thinking skills and is analytical
• Willing to work in a full onsite setup

QUALIFICATIONS:

• Graduate of Accountancy, Business Management, Financial Management, or any business-related courses
• Analytical and good negotiator
• Proficient with MS Excel and Word
• Can handle pressure at work
• Fresh graduates are welcome to apply

RESPONSIBILITIES:

• Monitors and maintain Performing Accounts Ratio
• Delivers Fire Insurance Notice
• Ensures that all kinds of notices are delivered personally by all means
• Assess buyers' capability to pay by explaining the need to update their account
• Perform other duties and tasks that may be assigned to them by the supervisor

Job Types: Full-time, Fresh graduate

Benefits:

• Additional leave
• Company events
• Free parking
• Opportunities for promotion
• Paid training
• Pay raise
• Promotion to permanent employee

Responsibilities:

The Credit Management Associate is responsible for ensuring the timely collection of payments from buyers and providing after-sales service. This includes tasks such as resolving payment concerns and addressing requests during the equity amortization period until the full payment is made.

• Ensure timely collection of buyer payments and the implementation of the collection policy.
• Monitor payment status, send reminders to buyers, and resolve any payment concerns.
• Proactively contact customers with overdue payments and assist in resolving outstanding balances.
• Conduct scheduled field visits to customers with delinquent accounts for follow-up and payment recovery.
• Respond appropriately and promptly to client concerns, requests for information, and service-related assistance regarding collections.
• Assist the team with various administrative functions related to business operations.

Requirements:

• A Degree in Business Studies, Financial Management, or equivalent
• At least 1 year of related work experience, preferably in a highly customer service-oriented or real estate company
• Must have strong communication and negotiation skills, with the ability to work effectively with customers from diverse backgrounds
• Must be keen on details, dependable with value for high work ethic and customer service
• Possesses a dynamic personality, able to deal with all levels in the organization
• Must have a valid driver's license
• Willing to be assigned in Balagtas, Bulacan

The Credit Risk Intermediate Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Responsibilities:

• Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
• Manages the risk associated with new and existing borrowing relationships through the following:
• Performs spreads of client business financial statements
• Creates Customer Accounting Systems' through Credit Platform
• Recognizes potential client risk through early warning systems
• Performs periodic financial statement review
• Tracks established financial covenants
• Monitors compliance to borrowing base credit facility
• Accompanies Underwriting Manager on customer site visits (when appropriate)
• Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 0 (fresh graduates of a business, economics, or statistics-related courses) to 2 years previous experience in a financial institution with a focus on credit analysis and spreading activities.
• Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis

Education:

• Bachelor's/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

-

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

-

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi .

View Citi's EEO Policy Statement and the Know Your Rights poster.

The Credit Maintenance Analyst is an intermediate level position responsible for capturing and recording data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to coordinate and maintain data quality in credit systems, monitor and report credit exposure, escalate deficiencies and recommend delinquent strategies in alignment with overall credit policies.

Responsibilities:

• Review incoming credit requests for completeness and accuracy, and convert to concise, accurately recorded credit facilities
• Prepare Credit Approvals (CAs) , track CA progress during approval process, and ensure approvals are received in compliance with policy/recorded in database accurately
• Maintain accurate insurance records and controls to ensure timely follow-up and renewals of required insurance for equipment and equipment liability
• Monitor end-of-day exposure versus limits while escalating detected exceptions per policy and obtaining facilities to address recurring exceptions
• Prepare portfolio and related credit information for internal and external auditors as well as contribute to achieving acceptable audit ratings
• Interpret data, make recommendations, identify policy gaps, and assist in formulating policies
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 0-2 years of relevant experience
• Experience in similar position or area
• Working knowledge of industry practices and standards
• Proficient computer skills with a focus on Microsoft Office, Microsoft Project, and Windows domain

Education:

• Bachelor's degree/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Operations - Services

-

Job Family:

Credit Maintenance

-

Time Type:

Full time

-

Most Relevant Skills

Please see the requirements listed above.

-

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

-

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi .

View Citi's EEO Policy Statement and the Know Your Rights poster.