A.

Credit Strategy & Policy Development 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 en...