Job Description

Credit Underwriting Management


1.Manage the underwriting process by ensuring it is in accordance with CIMB's credit policy and procedures 

2.Ensure CIMB Bank Philippines' credit initiatives comply not just with the policies and procedures but also with local regulations and strategic direction by senior management 

3.Support the Consumer Credit Operations team in ensuring collection targets are achieved, and credit limits are continually reviewed 


Risk Posture and Risk Appetite 

1.Monitor and track portfolio performance against the set benchmark 

2.Leverage on Risk Appetite results to support strategy business decision making via new initiatives and policy implementation 


Acquisition Quality 

1.Ensure acquisition quality early indicator is within agreed threshold 

2.Leverage AQT, Segmentation, scorecard, policy to proactively identify problem segments as well as opportunities 


Portfolio Management 

1.Monitor portfolio triggers in a proactive manner, take swift actions to address breaches together with the Business Units 

2.Lead in the development of portfolio heat map by products to assess portfolio shape and risk appetite 

3.Ensure portfolio quality (e.g. 30+, 90+, etc.) is at an acceptable level. Identify portfolio issues early on, engage business to take proactive actions and close them in a timely manner. 

4.Review and optimize country level retail risk policy, align with Group policy wherever possible

5. Establish monitoring and tracking mechanism to assess portfolio performance against benchmarks and leverage on Risk Appetite results to support strategic business decision making via new initiatives and policy implementation

6. Oversee review of Portfolio MIS to detect adverse trends and recommend action plans to mitigate portfolio risk


  • At least 10 years of experience in Credit Risk Management or Retail Risk Management 
  • With leadership experience
  • Exposure to digital and non-conventional banking or financial services an advantage

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