Risk Head – Credit Cards

Trusting Social

. Own the design, implementation, and ongoing leadership of Trusting Social Philippines' Enterprise Risk Management framework across credit, fraud, operational, compliance, and model risk .

Posted 10/22/2026full-timeTaguig • PhilippinesLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Enterprise Risk Management, particularly in credit and fraud risk, while ensuring compliance with regulatory standards. Capable of synthesizing data and AI tools to inform risk decisions and strengthen governance frameworks.

Highest-signal resume keywords

Enterprise Risk ManagementCredit Risk ManagementFraud Risk ManagementRegulatory ComplianceAI-Driven Risk Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk Appetite Statement DefinitionRisk Tolerance LimitsGovernance Framework DevelopmentCredit Policy ReviewPortfolio Performance MonitoringExpected Credit Loss MethodologiesStress TestingScenario AnalysisRegulatory Examination ReadinessData Synthesis for Risk Decisions

Soft Skills

Strong English Communication SkillsHigh AdaptabilityLeadership

Tools & Technologies

AI Tools for Risk AnalysisGovernance Documentation Tools

Industry Keywords

Bangko Sentral ng Pilipinas RegulationFinancial Crime RegulationsAMLKYCConsumer LendingCo-Lending ProductsFintechDigital BankingHigh-Growth Financial ServicesStartup Experience

About the role

Key responsibilities & impact

Own the design, implementation, and ongoing leadership of Trusting Social Philippines' Enterprise Risk Management framework across credit, fraud, operational, compliance, and model risk
Define the Company's risk appetite statement, risk tolerance limits, and escalation protocols
Build and maintain enterprise risk policies, governance committees, and board-level reporting mechanisms
Ensure segregation of duties and independence of the second-line risk function
Prepare risk reports for Executive Management, Board Committees, and the Board
Provide independent oversight of underwriting, portfolio management, collections, recoveries, and provisioning frameworks
Review, challenge, and approve credit policies
Monitor portfolio performance across on-us lending, co-lending, credit cards, and personal loans
Own governance over Expected Credit Loss methodologies, stress testing, and scenario analysis
Track credit risk indicators and drive corrective action
Own the enterprise fraud risk management framework from prevention through detection, investigation, and response
Strengthen fraud controls across onboarding, authentication, and transaction lifecycles
Ensure compliance with AML, KYC, sanctions, and financial crime regulations
Develop proactive mitigation strategies from fraud trends, emerging threats, and loss events
Serve as primary interface with Bangko Sentral ng Pilipinas and other regulators
Own examination readiness and translate regulatory requirements into internal policies
Ensure operation within licensed scope with audit-ready documentation
Lead engagement with external auditors, legal counsel, and compliance advisors
Keep executive management and the Board informed of regulatory developments and material compliance risks
Use AI tools for risk analysis, model monitoring, portfolio surveillance, and governance documentation
Evaluate AI-generated outputs and maintain human oversight for risk decisions
Experiment with AI-powered workflows and build feedback loops between risk outcomes and model performance

Requirements

What you’ll need

10+ years of experience in financial risk management
At least 5 years in a senior risk leadership role within a bank, fintech, or regulated lending institution
Deep expertise in credit risk, fraud risk, and regulatory compliance within the Philippine financial services sector
Familiarity with Bangko Sentral ng Pilipinas (BSP) regulation required
Proven experience building or strengthening risk governance frameworks from early-stage through regulatory examination
Experience with credit card, consumer lending, or co-lending products
Exposure to AI-driven credit models is a strong plus
Background in fintech, digital banking, or high-growth financial services
Startup or regulated greenfield experience is a strong plus
Ability to synthesize portfolio data, model outputs, and AI tools into risk decisions
Ability to evaluate AI outputs critically and apply AI to expand risk monitoring
Strong English communication skills; professional fluency required
High adaptability and comfort operating in fast-paced, ambiguous environments

Benefits

Comp & perks

Competitive compensation package, including yearly performance bonus
HMO coverage for employee + 2 dependents
Hybrid work setup (2 days onsite / 3 days WFH)
AI productivity tools (Claude Cowork)
Onsite lunch with multiple options, including vegetarian
Grab for work allowance and fully equipped workstations
Generous leave policies, including annual leave, sick leave, and flexible work hours
Government-mandated benefits (SSS, PhilHealth, Pag-IBIG)
Work alongside talented colleagues across multiple countries
Real ownership from day one
Social impact through democratizing credit access for the underbanked