B XXX
Risk Officer
Quezon City
Summary
Experienced risk officer with over 6 years of expertise in retail credit risk, specializing in acquisition risk and portfolio management. Skilled in providing analysis and insights that drive and support business decision-making.
Overview
7
7
years of professional experience
Work History
Risk Officer
XXXX PHILIPPINES
05.2023 - Current
- Monitored the portfolio performance of Auto Loans and other small loans.
- Analyzed portfolio performance and provided insights and recommendations to business partners for optimizing the management of both existing portfolios and incoming customers.
- Conducted research and analysis to support necessary policy updates.
- Collaborated with cross-functional teams and business partners to track and address key concerns, offering potential solutions.
- Worked with business partners and finance team to develop forecasts and projections for portfolio performance and P&L over the coming months and years.
- Performed research and analysis to support the development of new business programs and initiatives.
- Developed R scripts to automate the generation of ad hoc reports for other business units.
- Redesigned dashboards and optimized R code to further reduce manual intervention in report generation.
- Provided guidance and support to junior team members in report preparation, with a focus on addressing data-related concerns.
- Tracked the bank's small loans portfolio by conducting regular reviews and reporting on delinquency performance.
- Partnered with system developers to drive continuous enhancements.
Risk Officer (Junior Officer)
XXXX PHILIPPINES
09.2021 - 10.2022
- Monitored acquisition metrics for Mortgage.
- Tracked and analyzed acquisition metrics for the Mortgage portfolio.
- Conducted studies and delivered insights on specific portfolio segments to support the adjustment or updating of credit policies.
- Participated in the UAT and transition process to the bank's new data platform and system.
- Redeveloped R codes to align with the new data system and updated guidelines.
- Led the navigation of the back-end system's data, including the creation of a partial data dictionary and data mapping for internal team use.
- Assisted in data correction and verification to ensure the accuracy and quality of reports.
- Supported the generation and submission of monthly TU and CIC reports.
- Served as a key point of contact for the automation project of TU and CIC report generation and submission.
Associate Risk Officer (Junior Officer)
XXXX PHILIPPINES
11.2019 - 09.2021
- Monitored acquisition metrics for the bank's retail products - Mortgage, Auto Loans and MSME.
- Monitored and analyzed acquisition metrics, delivering and presenting monthly acquisition reports to business partners.
- Assisted in updating the credit policy based on the performance of the Mortgage and Auto Loans portfolio, particularly in integrating and implementing Covid-related guidelines into the existing Retail Credit Risk Policy.
- Led the alignment of decline and deviation reasons across the bank's different retail products.
- Revamped dashboards and updated R code to monitor the acquisition performance of Mortgage and Auto Loans.
- Served as a key point of contact in developing the regular monitoring system for MSME loans.
- Developed R script and report to track the productivity of risk officers managing MSME loan applications.
- Developed R script and dashboard to track the acquisition performance of MSME loans.
- Developed R script and report to track Service Level Agreements (SLA) in the processing of Auto Loan and MSME applications.
- Assisted in monitoring and expediting the processing of accumulated MSME renewal applications.
- Provided support in the validation of declined credit card applications.
Quantitative Analyst
SGV & CO. / EY PHILIPPINES
09.2018 - 11.2019
- Company Overview: Financial Accounting Advisory Services (FAAS), a sub-service of Assurance
- Assisted in IFRS/PFRS 9 conversion projects for a real estate company and a telecommunications company, specifically in the development of Expected Credit Loss (ECL) models using different methodologies such as vintage analysis, loss rate approach and external credit mapping.
- Involved in a training conducted for an overseas client in relation to the implementation of IFRS 9, specifically in the simulation of models used for ECL calculation.
- Involved in facilitating seminars/workshops in relation to the implementation of PFRS 9.
- Attended various internal trainings regarding new accounting standards.
- Financial Accounting Advisory Services (FAAS), a sub-service of Assurance
Education
Bachelor of Science - Statistics
UNIVERSITY OF THE PHILIPPINES DILIMAN
Skills
- Data Analysis
- Portfolio Management
- Credit Policy Development and Implementation
- Stakeholder Communication and Collaboration
- Microsoft Office
- R
- SAS
- EViews
- SPSS
Risk reporting
Quantitative analysis
Training
- COACHING FOR PEAK PERFORMANCE, 2023
- IGNITE: LEADERSHIP ESSENTIALS, 2020
Timeline
Risk Officer
XXXX PHILIPPINES
05.2023 - Current
Risk Officer (Junior Officer)
XXXX PHILIPPINES
09.2021 - 10.2022
Associate Risk Officer (Junior Officer)
XXXX PHILIPPINES
11.2019 - 09.2021
Quantitative Analyst
SGV & CO. / EY PHILIPPINES
09.2018 - 11.2019
Bachelor of Science - Statistics
UNIVERSITY OF THE PHILIPPINES DILIMAN
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