Credit Underwriting Management
- Manage the underwriting process by ensuring it is in accordance with CIMB's credit policy and procedures
- .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
- Support the Consumer Credit Operations team in ensuring collection targets are achieved, and credit limits are continually reviewed
Risk Posture and Risk Appetite
- Monitor and track portfolio performance against the set benchmark
- Leverage on Risk Appetite results to support strategy business decision making via new initiatives and policy implementation
Acquisition Quality
- Ensure acquisition quality early indicator is within agreed threshold
- Leverage AQT, Segmentation, scorecard, policy to proactively identify problem segments as well as opportunities
Portfolio Management
- Monitor portfolio triggers in a proactive manner, take swift actions to address breaches together with the Business Units
- Lead in the development of portfolio heat map by products to assess portfolio shape and risk appetite
- 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.
- Review and optimize country level retail risk policy, align with Group policy wherever possible
- 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
- Oversee review of Portfolio MIS to detect adverse trends and recommend action plans to mitigate portfolio risk
