head of RiskCashalo

Job Description
Head of Risk
An exciting opportunity with a thriving and rising start-up FinTech company has opened up. We need someone to fill in the Risk Portfolio Manager role to lead the organization's risk mitigation and credit policy formulation and implementation efforts as we navigate business opportunities during the new normal.
Do you have what it takes to challenge beyond the status quo and maximize your full potential? If your answer is YES, message us. Let's talk!
Company Background
Oriente Express TechSystem Corporation also known as Cashalo, is developing a digital finance marketplace to address financial exclusion for underbanked consumers and MSMEs.
Leveraging its experience building internet giants Skype & LU.com, Oriente has partnered with JG Summit to enable affordable online lending and wealth accumulation based on proprietary data and revolutionary credit scoring infrastructure.
Mission
Enable affordable and timely credit to emerging middle class and SMEs.
Vision
To create the largest digital financial services marketplace in the Philippines.
Role Summary
Reporting directly to Regional Risk head and Philippines GM you will have an opportunity to manage Philippines-wide risk performance over a wide range of online and offline products. To be successful in this role, you would need to cooperate closely with local Business heads, be able to spot inconsistencies in execution and delivery of credit policies and apply correct judgment to changes in pre and post-approval strategies
Duties and Responsibilities
You will be responsible for bottom-line P&L Risk performance
You will be dealing with multiple stakeholders in Business and Operations
You will be a custodian for risk policy changes across various business lines
You will supervise the performance of Verification (KYC) and Collections functions
You will own Credit Risk performance for the whole portfolio and actively drive activities focused on keeping risk performance within risk appetite
You will ensure compliance with all internal policies and guidelines across the approval process and post-approval quality procedures
You will actively search and evaluate external data sources that will help you improve approval rate and/or decrease risk losses
You will know all changes to local Fintech and Financial regulations and drive its compliance within the company
You will provide your expertise in the design of new products across online&offline lending
You will run multiple quality assurance processes aimed at monitoring local policies adherence in Operations, Sales, and Collections
You will contribute to the implementation and design of portfolio specific credit risk frameworks to ensure a healthy P&L risk performance
You will work with the finance team in providing relevant risk-related metrics for budgeting and forecasting
You will hire, train, and coach risk and portfolio managers
Qualifications and Relevant Experiences Required
Candidate must possess at least a Bachelor's/College Degree in Business Studies/Administration/Management, Commerce, Economics, Finance/Accountancy/Banking or equivalent.
3-5 years of Risk managerial experience, including dealing with Business stakeholders
3-5 years of experience as a Risk/Credit Risk Portfolio Manager from financial institutions
3-5 years experience in pre-approval credit evaluation or post-approval credit review of consumer loan products (Credit Cards, Personal, Auto, Mortgage, or Small Business Loans) from a bank or other financial institutions.
Track record of implementing credit risk policies
Experience in risk and portfolio analytics
Experience in formulating credit policies from a bank or other financial institutions is a MUST.
Competency in credit evaluation for consumer loans (Credit Cards, Personal, Housing, or Auto Loans).
High level of written and verbal and skills
High level of stakeholder management skills
With the ability to integrate data analytics into a risk-averse credit comprehensive risk policy
Strong knowledge of credit processes (from origination to loan disbursement).
Able to detect credit lapses and instances of fraud.
Able to liaise with high-level officers to accomplish core objectives.
JobsinForex

Manila City, Metro Manila
Permanent
Full-time