Paul Benedict F. Perez

• Primary business resource in establishment and implementation of Environmental Social Risk Management Policy in Wholesale Banking Segment
• Partnered with Bank's Sustainability Office in developing the Sustainable Finance Framework
• Formed the Sustainable Finance Team – which has implemented various training programs along with setting-up identification, vetting and monitoring processes
• Led the Agri Business Team which was able to save penalties of about P200M/year for the bank.
• Convey business support on change initiatives, training, portfolio management, policies, procedures, processes and products
• Balance growth and risk via oversight management on credit risk quality

• Managed a team of 10 officers that consistently met 90% turnaround to undertake independent review/assessment of business credit requests for Corporate and Middle Market accounts as well as review of consumer finance credit programs
• Led the development and implementation of Auto Loans Scorecard across cross functional team of Consumer Business Group, IT and Model Development (parent bank)
• Provided strategic direction to formulate and implement group credit and risk management framework and strategies to improve credit quality and growth of credit businesses in MPI
• Key credit resource for development of the Retail SME program
• Voting member of Credit Committee.

• Formulated and implemented collection and remedial management strategies that resulted to credit recovery for more than 50% of the Bank's total remedial portfolio (USD2.5MM) .
• Led team of 3 Remedial Officers
• Established and implemented credit policy requirements for commercial and secured products

• Team garnered the highest, “5”, rating during the Bangko Sentral ng Pilipinas review on credit risk and asset quality function
• Implemented Expected Credit Loss model for Manila Branch in collaboration with Regional Office
• Leveraged on regional collaboration to automate credit risk reporting functions in Manila Branch
• Introduced various policies and procedures aligned with business aspirations as well as internal and regulatory standards.

• Responsible for efficient operation of RSCC and supervise / coordinate underwriting, fraud prevention and credit quality functions to support the business aspirations of SME Banking
• Tasked to evaluate and make independent lending decisions in line with credit policies, guidelines, best practices and program parameters
• With approving authority of up to P30 million for RSME loan proposals
• Established and implemented frameworks and policies.

• Developed the impact analysis on Basel’s Standardized Approach to Counterparty Credit Risk and Counterparty Valuation Adjustment
• Drove risk framework and policies for management of counterparty risk for Maybank Group
• Conducted monitoring and surveillance of transactional excesses and corresponding corrective action for Global Markets Malaysia
• Provided policy and technical support to 7 Treasury Credit centers across Asia Pacific
• Responsible for effective capital management for Global Markets products.

Oversaw the Merchant Acquiring Risk function

• Risk representative in cross functional team recognized as the Best Dream Team that improved merchant accreditation turnaround from 105 to 5 working days while cutting chargeback and fraud losses by 73%
• Led development and implementation of risk policy and strategies that balance risk and reward in the portfolio that are likewise consistent with both internal and external credit / regulatory standards
• Facilitated timely product program reviews to assure key product performance metrics, e.g. Volume (ANR / number of accounts), profitability and asset quality
• Conducted annual reviews of Merchant Acquiring Business Control Process and Policies Manual

Functioned as Secured Products Risk Manager

• Led portfolio sale initiative; ensured project team accomplished key deliverables (valuation, negotiation, approval, operational, compliance and customer touchpoints) were delivered within identified timelines
• Established policies and strategies to maximize returns on secured products with personal delegated credit authority of up to USD1.0M exposure
• Collaborated with business, finance and credit & collections colleagues to assure key product performance metrics, e.g. Volume (ANR / number of accounts), profitability and asset quality are met and/or appropriately justified
• Conducted annual review of the Secured Products Business Control Process and Policies Manual

Operational Control

• Led Quarterly Risk and Control Self-Assessment for Risk Management Group - received consistent “Effective” ratings in audit reviews.

• Led collection and remedial management strategies which resulted to credit recoveries of more than 50% (USD2.5MM) of the Bank's remedial portfolio
• Managed team of 2 remedial management officers
• Responsible for establishment and implementation of credit risk policies for commercial and secured products