Job Description

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


  • 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