Credit Strategy Manager

Our Mission

Our goal is for everyone to make bolder choices with their finances.

To get there, we're creating an all-in-one ecosystem of financial services for today's generation of goal-getters. That feat takes extraordinary people-those with the guts to challenge the way things are and transform them into something better.

To be part of Team Maya is to be Bolder for Better.

Description

What you will be doing:

• Own and drive end-to-end credit strategy across products (Personal Loans, Credit Cards, Credit Line, SME / Merchant Lending).
• Design and align enterprise-wide credit frameworks, guardrails, and decision principles covering acquisition, limits, pricing, portfolio actions, and collections.
• Assess macro-economic conditions (inflation, interest rates, employment, consumer stress indicators) and translate them into portfolio-level credit actions such as tightening/relaxing criteria, limit recalibration, and risk segmentation.
• Partner with Product and Data Science teams to design, test, and scale credit strategies using internal, bureau, and alternative data.
• Lead cross-product portfolio analyses, vintages, early delinquency, utilization, limit behavior, and profitability and translate insights into actions.
• Drive champion challenger experiments, test governance, KPIs, and post-implementation reviews.
  
  

What We Are Looking For

• 8+ years of experience in credit risk, portfolio management, analytics, or credit strategy in a bank or fintech.
• Strong understanding of the consumer lending lifecycle from acquisition through collections.
• Good understanding of macro-economic environments and their impact on consumer and SME credit performance.
• Strong analytical and problem-structuring skills, with the ability to interpret insights and guide data-driven decisions (without hands-on coding).
• Experience using bureau data, alternative data, scorecards, and decision engines to drive outcomes.
• Ability to operate in ambiguity and bring clarity across multiple products and stakeholders.
• Strong stakeholder management and communication skills.
• Bias for execution, experimentation, and continuous improvement in fast-moving environments.
  
  

About Us

Maya is the all-in-one money platform that is bringing Filipinos bolder ways to master their money. It is powered by a unique integrated financial services ecosystem that addresses the ever-evolving needs of today’s generation of money makers through cutting edge technology. 

We lead millions of Filipinos — consumers, businesses, communities, and government agencies alike — into a version of the current digital economy that’s more inclusive, transparent, and empowering than ever. 

We are powered by the country's only end-to-end digital payments company Maya Philippines, Inc. and Maya Bank, Inc. for digital banking services. 

Maya Bank, Inc. and Maya Philippines, Inc. are regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph/

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