Develop, implement, and monitor end-to-end credit risk strategies for mobile device installment plans (including 0% interest, 6/9/12-month terms)
Design and calibrate risk-based pricing and down payment requirements tailored to different customer segments
Define credit policies regarding loan amounts, tenors, and required documentation for the Philippine market (e.g., valid government IDs, proof of billing, employment verification)
Lead the development and validation of credit scoring models. Given the thin-file nature of the Philippine market, leverage telco data, utility payment history, and other alternative data sources alongside traditional credit bureau data (CIBI, TransUnion)
Identify and integrate new alternative data sources (e.g., GCash transaction history, e-commerce behavior, social media footprint) to expand the addressable market safely
Work with engineering teams to automate decision-making engines and implement real-time underwriting systems
Ensure all credit processes comply with regulations set by the Securities and Exchange Commission (SEC) , including:
SEC Memorandum Circular No. 14, Series of 2025 (effective April 1, 2026): caps on effective interest rate at 12% per month, nominal interest rate at 6% per month, and total cost cap where the sum of all interest and fees cannot exceed 100% of the principal for unsecured loans of PHP 10,000 or less with repayment terms up to four months
Adherence to late payment penalty caps at 5% per month on the outstanding scheduled amount due
Compliance with the proposed lifting of the OLP moratorium (expected in 2026) and the associated stricter capitalization, disclosure, and consumer protection requirements for online lending platforms
Ensure compliance with the Data Privacy Act of 2012 (RA 10173) and NPC regulations governing collection, processing, and cross-border transfer of borrower personal data
Comply with Anti-Money Laundering Council (AMLC) requirements, including customer due diligence (KYC), record-keeping, and suspicious transaction reporting
Ensure compliance with the Financial Products and Services Consumer Protection Act (RA 11765) , including fair lending practices, transparent fee disclosure, and responsible collection conduct
Comply with SEC MC No. 19, Series of 2019 prohibiting unfair debt collection practices
Maintain compliance with the Truth in Lending Act (RA 3765) disclosure requirements
Register with the Credit Information Corporation (CIC) , submit borrower credit data, and access CIC credit information as part of the underwriting process
Manage relationships with external auditors and regulators regarding credit risk reporting
