About the Job
Location: Bonifacio Global City (BGC)
Corporate Title: Junior Officer to Manager
Work Arrangement: Hybrid
Our Consumer Lending team is looking for experienced professionals to join us in Bonifacio Global City (BGC) with the role of Credit Policy Officer
In this role, you will develop and enhance credit policies across acquisitions, underwriting, portfolio management, and collections. You will assess portfolio trends, evaluate policy effectiveness, and ensure alignment with regulatory requirements. You will also collaborate with business units on product launches, ensuring sound risk criteria and a balanced risk-reward framework for the auto loans portfolio.
Your dream. Our focus.
East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience.
We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment.
Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success.
What the role will entail
Develop and maintain updated and competitive credit policies for acquisitions, underwriting, portfolio management, and collections
Analyze portfolio performance, credit test results, and market trends to identify opportunities, risks, and policy enhancements
Update credit policy manuals based on performance outcomes and regulatory requirements
Collaborate with business units on product program launches and ensure robust risk acceptance criteria
Review and endorse credit-related documents such as program papers, process manuals, and internal communications within agreed timelines
Maintain a balanced risk-reward environment that supports portfolio growth, market share, and manageable credit losses
What we're looking for
Bachelor's degree in Business Management, Economics, Banking, Finance, or related fields
At least 5 years of experience in consumer credit risk management, credit processing, approvals, collections, or portfolio analytics within the banking industry
Strong analytical skills with experience in data mining tools such as SAS or decision tree platforms
Solid understanding of credit lifecycle management and regulatory compliance
Strong communication, strategic thinking, and decision-making skills
Willing to work onsite in BGC, Taguig
What you can expect from joining our team
Career development and training opportunities
Competitive salary package and benefits
Performance-based incentives and recognition programs to reward high-performing individuals
Opportunity to work with industry experts and be mentored by them
Defined career progression paths to guide you in your professional growth
Company Overview
East West Banking Corporation, established in 1994, is one of the fastest-growing banks in the country today. It caters to the financial needs of consumers, middle market corporates, and the mass affluent. Through its vast network of stores nationwide, it offers a wide range of banking products and services, as well as allied financial services: non-life insurance brokerage, bancassurance, and leasing.
EastWest’s goal is to provide excellent customer service, relevant products that meet the customer needs and having the most engaged and loyal customers and employees, while providing services befitting of a world-class bank anchored on service excellence in its chosen markets.
With steadfast commitment to make "Your Dream Our Focus," EastWest continues to develop innovative products and services and alternative delivery channels that cater to the diverse and evolving needs of its clientele.
Mission
For our chosen markets
by providing them with excellent service in the delivery of integrated and innovative products, responsive to their current and future financial needs, at the best value.
For our employees
by continuously providing them with opportunities to develop their full potential and by giving recognition and rewards commensurate to their contribution.
For our community
by committing ourselves to improving the quality of life of those around us through the support for various charities and involvement in outreach activities.
For our regulators
by uncompromisingly adhering to the highest standards of business ethics and corporate governance.
For our shareholders
by managing the bank professionally and prudently to consistently achieve optimal possible returns.
