MARY ANGELICA ALCIBOR
Calamba City
Summary
Results-driven Credit Risk Manager with a proven track record of developing high-impact risk models that drive strategic decision-making across the Collections and Consumer Business sectors. Recognized with the "Passion for Results" award—selected from over 100+ Risk Management professionals—for delivering actionable insights and tools that directly contributed to the achievement of key business targets. Known for leveraging advanced analytics, credit scoring, and portfolio segmentation to optimize collections performance, mitigate risk exposure, and support sustainable growth in the consumer lending space.
Overview
8
8
years of professional experience
Work History
Credit Risk Manager
Metrobank and Trust Corporation
12.2022 - Current
- Led end-to-end credit risk assessment initiatives across the Collections Group under the Consumer Business Sector, driving enhancements in decision-making frameworks and optimizing strategies from front-end engagement to post-default recoveries.
- Oversaw credit loss provisioning, ensuring accurate identification and in-depth analysis of key risk indicators with material impact on the Consumer Business’s financial performance.
- Designed and implemented advanced risk models to assess borrower creditworthiness, optimize call timing, and prioritize collection strategies—resulting in significantly improved risk segmentation and collection efficiency.
- Developed predictive scorecards and decision tree models to analyze high-risk collection segments, enabling data-driven interventions and early delinquency management.
- Formulated, executed, and monitored collection risk mitigation programs spanning front-end strategies to late-stage recoveries, ensuring alignment with evolving risk appetite and regulatory standards.
- Led cross-functional collaboration with internal stakeholders to design, pilot, and roll out data-driven collection programs tailored to the Consumer Business Sector’s objectives and customer profiles.
- Provided technical leadership and support in the development, calibration, and validation of collection system parameters during onboarding of new risk platforms and tools.
- Mentored and guided junior analysts, enhancing team capability in credit risk modeling, data interpretation, and regulatory compliance—fostering a culture of analytical excellence.
- Partnered with compliance, finance, and product teams to develop and enforce credit risk policies aligned with internal risk appetite frameworks and external regulatory guidelines.
- Monitored macroeconomic trends and market dynamics, translating insights into strategic recommendations to mitigate credit exposure and refine lending policies.
- Streamlined risk reporting and analytics processes through the integration of advanced analytical tools and automation, significantly improving timeliness and accuracy of credit risk monitoring.
Business Intelligence Analytics Officer
EastWest Bank Corporation
02.2021 - 11.2022
- Led the implementation of PFRS 9 Expected Credit Loss (ECL) models for various loan products, ensuring compliance with regulatory standards and improving accuracy in credit loss forecasting.
- Managed the development and validation of Personal Loan Behavioral Scorecards, including out-of-time (OOT) validation, manual score cross-testing with system-generated scores, profitability analysis, and risk-based pricing simulations—enabling more precise risk-based decisioning.
- Spearheaded the migration of legacy SAS-based programs and datasets to a modern, cloud-based infrastructure utilizing Python, Microsoft SQL, Qlik Sense, and Databricks—enhancing scalability, efficiency, and analytical flexibility across the unit.
- Developed interactive portfolio dashboards for Credit Cards and Loans, enabling senior leadership to monitor performance by segment, identify emerging risks, and uncover new revenue opportunities.
- Revamped existing bank reports to reflect evolving borrower behavior, integrating simulation analyses that empowered business units to make proactive, data-driven adjustments to strategy.
- Led the preparation and submission of all compliance and risk reports for the Business Governance Unit, ensuring alignment with Bangko Sentral ng Pilipinas (BSP) regulatory standards and internal audit requirements.
- Supported the redevelopment of Credit Card and Loan scorecards, applying updated data science methodologies to improve model predictive power and stability.
- Conducted an enterprise-level HR analytics project, focusing on employee attrition analysis—delivering insights that informed talent retention strategies and organizational planning.
- Led cross-functional initiatives aimed at streamlining internal service delivery, improving interdepartmental coordination, and enhancing overall customer experience across lending and collections touchpoints.
Revenue Management Analyst
ZEN Rooms
03.2020 - 12.2020
Client Reporting and Service Operations Analyst
Proview Global
07.2017 - 03.2020
Education
Bachelor of Science - Statistics
University of The Philippines Los Baños
01.2017
Skills
- SAS, STATA, R & PYTHON PROGRAMMING SKILLS
- Credit analysis
- Cash flow analysis
- Relationship management
- Credit policy development
- Portfolio management
- Credit scoring/Scorecard development (traditional and modern ML)
- Industry analysis
- Quantitative analysis
- Delinquency monitoring
- Financial statement analysis
- Problem-solving aptitude
- Advanced analytics/Dashboard creation
Timeline
Credit Risk Manager
Metrobank and Trust Corporation
12.2022 - Current
Business Intelligence Analytics Officer
EastWest Bank Corporation
02.2021 - 11.2022
Revenue Management Analyst
ZEN Rooms
03.2020 - 12.2020
Client Reporting and Service Operations Analyst
Proview Global
07.2017 - 03.2020
Bachelor of Science - Statistics
University of The Philippines Los Baños