Senior Manager External Portfolio Acquisition And Management

About The Job

The role is accountable for the full external portfolio lifecycle — from market sourcing, portfolio assessment, and acquisition support through onboarding, performance steering, and value realization. Operating as a senior individual contributor, the position delivers outcomes through commercial ownership, cross ‑ functional leadership, and strategic influence, leveraging Collections Strategy & Analytics resources rather than direct line management. To own and drive the acquisition and end ‑ to ‑ end management of externally sourced portfolios, including Non ‑ Performing Loan (NPL) purchases, co ‑ servicing arrangements, and hybrid recovery models.

What Youll Do

External Portfolio Acquisition & Market Engagement

• Proactively source external portfolio opportunities through direct engagement with banks, financing companies, and financial institutions.
• Represent Home Credit Philippines at conferences, networking events, and industry forums to build and maintain a strong origination pipeline.
• Work in close partnership with the Business Development team to convert market interactions into viable acquisition or servicing opportunities.
  
  

Portfolio Evaluation & Deal Support

• Lead high level assessment of external portfolios, covering recovery potential, risk cost, operational complexity, regulatory impact, and strategic fit.
• Support acquisition and servicing discussions by shaping portfolio structures, cooperation models, and commercial logic.
• Coordinate with Finance, Risk, Legal, and Compliance on pricing assumptions, governance considerations, and deal viability.
  
  

End to End External Portfolio Ownership

• Own the full lifecycle of externally procured portfolios from onboarding through execution and optimization.
• Ensure operational readiness for new portfolios in cooperation with Collections Operations, IT, and PMO.
• Monitor portfolio performance against acquisition rationale and steer corrective actions where value erosion is observed .
  
  

Strategic Prioritization & Resource Steering

• Provide strategic insight on prioritization between core Home Credit portfolios and externally sourced assets.
• Propose capacity and focus frameworks balancing value creation, risk cost, regulatory exposure, and operational constraints.
• Actively contribute to defining and balancing the company’s debt purchase vs debt sale strategy , ensuring coherence across portfolio decisions.
  
  

Strategy & Analytics Enablement

• Leverage analytics as a decision support tool for portfolio selection , performance steering, and governance .
• Utilize Collections Strategy & Analytics teams and collection consultants to support evaluations, projections, and strategic initiatives.
• Ensure learnings from external portfolios are fed back into broader collections strategy and enterprise steering logic.
  
  

Governance & Cross Functional Leadership

• Serve as the primary business owner for external portfolios in management, risk, and steering forums.
• Maintain very tight cooperation with Finance, Legal & Compliance, IT, PMO, Risk, and Collections leadership.
• Coordinate and oversee workstreams delivered by external collection consultants supporting acquisition and strategic projects.
• Ensure all external portfolio activities comply with regulatory requirements and internal governance standards.
  
  

Market & Organizational Representation

• Act as a visible and credible representative of Home Credit Philippines in external and internal forums related to external portfolio strategy.
  
  

What You Need To Have

Minimum 6 years of experience in collections, portfolio management, credit risk, business development, or financial services strategy

Exposure to external portfolios, NPLs, servicing arrangements, or third-party managed books

Solid generalist understanding of portfolio economics, risk trade offs, and collections operations

Experience operating in influence- based roles without direct line authority

Strong commercial judgment and stakeholder management capability

Developing long-term strateg ies

Track record of data-driven decision making

Financial Acumen & understanding how late collections can impact P&L

Intermediate Understanding of Champion-Challenger , AB testing and segmentation methodologies

Managerial Proficiency in PowerPoint / Excel

Advanced English; strong presentation and communication skills

Externally oriented, commercially curious, and relationship driven

Comfortable and energized by visibility (conferences, panels, networking)

A bility to build trust and credibility; Structured, pragmatic decision maker

Excellent prioritization ability ; Work routine embedded in strategic and tactical planning

Assertive, able to say “no” in a constructive and acceptable way

Confident influencing senior stakeholders without formal authority

Driven to do positive change ; Solid ability to work under stress

Travel Flexibility ; High integrity and governance awareness

Job Perks Youll Enjoy

• Hybrid work set-up
• Permanent dayshift schedule
• Up to 20% variable performance-based bonus
• HMO on Day 1 / HMO with dependents
• Access to mental health coverage and wellness partners
• Wellness Leave and Birthday Leave benefits
• Internal career mobility options
  
  

Empower Filipinos with innovative financial solutions at Home Credit Philippines. Click Apply Now and join a company where there are #NoSmallRoles and everyone is important.

At Home Credit Philippines, we believe that everyone has something special to offer. Our motto "No Small Roles, Everyone is Important" is at the heart of everything we do. We think diversity makes our company better and every single job and person here plays a big part in our success.

We’re all about creating a welcoming place where everyone feels valued for who they are. This means we make sure that everyone, no matter their background or what they look like, gets a fair chance at jobs, training, and promotions.

When it comes to hiring, everyone gets a fair look. It doesn’t matter where you’re from, what you believe, who you love, whether you have a disability, or any other or any other condition protected under Philippine laws. If you meet the job requirements, you have a chance to get the job.

Come join us at Home Credit, where diversity fuels our innovation. Here, there are #NoSmallRoles and #EveryoneisImportant.

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