• Monitor daily transactions for unusual or suspicious patterns such as refund abuse, discount abuse, duplicate sales, and other red flags or irregularities. • Assist in identifying emerging risk trends across stores, regions or individuals. • Maintain tracking of flagged activity and support appropriate escalation pathways. • Contribute to strengthening preventative controls based on observed risk patterns. • Extract, clean and analyse transaction and operational data to identify trends, control gaps and risk exposure. • Translate data findings into clear, commercially relevant insights for the Risk Manager and key stakeholders. • Assist in preparing regular risk dashboards and reporting packs. • Support the ongoing development of reporting frameworks and risk metrics. • Support investigations by extracting, analysing and interpreting relevant data. • Assist in identifying root causes and system weaknesses contributing to incidents. • Contribute to quantifying financial exposure and documenting findings. • Support control reviews and help assess the effectiveness of existing risk mitigation measures. • Assist in maintaining risk registers, incident logs and documentation. • Contribute to the enhancement of policies, procedures and internal controls. • Collaborate with IT, Finance and the wider team to improve data integrity and risk visibility. • Identify opportunities to improve processes, reporting quality and preventative controls. • Support communication of risk trends and insights to relevant stakeholders. • Ensure your work environment supports good occupational health and safety practices. • Comply with OH&S policies, procedures and instructions. • Take care of your own health and safety and that of others. • Report any potential OH&S hazards to your immediate Manager. • Take on additional projects within your skill set, experience and capability. • Support and comply with all Company Policies.

• Provide leadership, management and strategic direction with a focus on providing an exceptional client service experience • Translate firm vision and strategy into an actionable business plan • Team with marketing to develop sales and marketing plans • Coordinate firm resources to ensure the best products and services are provided to clients • Ensure your team members are provided with meaningful training and development opportunities • Oversee the profitability of the practice • Work closely with client executives and management teams • Develop in-depth knowledge of clients’ businesses and industries • Provide strategic business advice to clients • Assess, manage and optimize business risk across a wide range of areas

About Asiacruit At Asiacruit, we connect top talent with forward-thinking organizations across industries. Our mission is to help businesses grow through smart, strategic, and people-focused solutions. We support companies by providing high-quality Philippine-based talent for both local and global markets. If you are analytical, collaborative, and committed to maintaining strong credit quality while enabling business growth, we invite you to apply. About the Role Industry: Fintech / Consumer Lending / Retail (Mobile & Gadgets) We are seeking a strategic and data-driven Head of Credit Risk to lead our risk management function in the Philippines. You will be responsible for building and overseeing the entire credit lifecycle for our mobile phone installment products. You will balance rapid business growth with portfolio quality, leveraging alternative data to serve the underserved market. You will lead a team of analysts and credit officers to minimize delinquency (DPD) and charge-offs while optimizing approval rates. Key Responsibilities 1. Credit Strategy & Policy Development - Develop, implement, and monitor end-to-end credit risk strategies for mobile device installment plans (including 0% interest, 6/9/12-month terms). - Design and calibrate risk-based pricing and down payment requirements tailored to different customer segments. - Define credit policies regarding loan amounts, tenors, and required documentation for the Philippine market (e.g., valid IDs, proof of billing, employment verification). 2. Data & Scoring Models - Lead the development and validation of credit scoring models. Given the "thin-file" nature of the Philippine market, you must leverage Telco data, utility payment history, and social media footprint alongside traditional credit bureau data (CIBI, TransUnion). - Identify and integrate new alternative data sources (e.g., e-wallet transaction history, lending app behavior) to expand the addressable market safely. - Work with engineering teams to automate decision-making engines. 3. Portfolio Management & Collections Strategy - Monitor portfolio health through key metrics (Delinquency rates, Roll Rates, NPL, Recovery Rates). - Segment the portfolio and implement dynamic collection strategies (Early/Late/Digital collections). - Optimize the collection scoring models to prioritize high-risk accounts for external collection agencies or legal recovery. 4. Regulatory Compliance & Governance - Ensure all credit processes comply with the regulations set by the SEC (Securities and Exchange Commission), BSP (Bangko Sentral ng Pilipinas) if applicable, and the Data Privacy Act of 2012 (RA 10173). - Manage relationships with external auditors and regulators regarding credit risk reporting. - Ensure fair lending practices and responsible collection conduct. 5. Fraud Prevention - Collaborate with the fraud team to identify and mitigate first-party and third-party fraud rings common in the gadget financing space (e.g., synthetic identities, device flipping). - Implement device-level tracking and blacklisting protocols. 6. Team Leadership - Recruit, train, and mentor a local team of credit analysts and risk operations staff. - Foster a culture of data-driven experimentation (A/B testing) and continuous improvement. Qualifications & Requirements - Education: * Bachelor’s degree in Finance, Statistics, Mathematics, Economics, or a related field. - MBA or Master’s degree in a quantitative discipline is a strong advantage. - Experience: * Minimum 5–7 years of experience in Credit Risk Management, preferably in Fintech, Consumer Finance, or Retail Banking. - Must have direct experience with the Philippine consumer credit market. - Proven track record of managing a consumer loan portfolio (preferably unsecured or secured gadgets) in the Philippines. Why Join Asiacruit - Flexible remote work arrangement supporting work-life balance. - Collaborative and diverse team with opportunities for international exposure and career growth. - Competitive compensation and opportunities for professional development. Ready to Make an Impact? Apply now at https://asiacruit.com or send your resume to careers@asiacruit.com with the subject line: “Head of Credit Risk – [Your Name]”

About Asiacruit At Asiacruit, we connect top talent with forward-thinking organizations across industries. Our mission is to help businesses grow through smart, strategic, and people-focused solutions. We support companies by providing high-quality Philippine-based talent for both local and global markets. If you are meticulous, reliable, and enjoy working with financial processes and cross-functional teams, we invite you to join our team. Position Overview The Regional Risk Manager will lead risk management activities across assigned countries within the region, ensuring effective identification, assessment, mitigation, and monitoring of operational, financial, and regulatory risks. This role partners with local and regional stakeholders including finance, operations, legal, IT, and business leaders to maintain a strong control environment, drive consistent risk practices, and support business growth while safeguarding company assets and reputation. Duties and Responsibilities: 1. Regional Credit Management - Oversee the credit approval process for mobile phone installment businesses in the region, making final approval decisions within the authority delegated by headquarters. - Monitor the quality of the regional asset portfolio, regularly generate regional risk reports, and identify early warning signals. - Propose differentiated credit policy recommendations to headquarters based on regional customer segment characteristics. 2. Team Leadership & Training - Lead, motivate, and evaluate the performance of front-line credit officers and field verification teams in the region. - Organize regular training sessions to ensure the team understands the latest credit policies and anti-fraud rules. - Build a talent pipeline and develop local key staff. 3. Store & Channel Risk Control - Maintain communication with the sales team and dealer/store partners to assess and grade channel quality from a risk perspective. - Handle store appeals regarding rejected cases to balance customer experience and risk control. - Conduct regular risk inspections at partner stores to prevent internal and external collusion fraud. 4. Anti-Fraud Execution - Implement the headquarters' anti-fraud strategies and identify common local fraud patterns. - Establish regional blacklist and greylist mechanisms. 5. Localized Process Optimization - Optimize interview scripts and document verification processes based on the characteristics of customers in the region. - Manage post-loan follow-up and verification work in the region. Qualifications and Must Have: Qualifications - Education: Bachelor's degree or above in Finance, Management, or related fields. - Experience: 3-5 years of experience in consumer finance or retail credit risk, with at least 1 year of team management experience. Must be familiar with the local Philippine market - Willingness to travel within the region for store visits. Skills: - Familiar with the credit approval process and basic risk indicators. - Strong data analysis skills, proficient in using Excel for data pivot and analysis. - Good communication and coordination skills, able to handle conflicts with business departments. - Proficiency in local languages is a plus. Key Performance Indicators - Delinquency rate of the region under jurisdiction. - Approval rate and turnaround time. - Team professional ability improvement and retention rate. Why Join Asiacruit - Flexible remote work arrangement supporting work-life balance. - Collaborative and diverse team with opportunities for international exposure and career growth. - Competitive compensation and opportunities for professional development. Ready to Make an Impact? Apply now at https://asiacruit.com or send your resume to careers@asiacruit.com with the subject line: “Regional Risk Manager – [Your Name]”