Head of Credit Policy and Data Science

SariPay is a fintech company based in the Philippines. It spun off from a series C funded B2B e-commerce company, Growsari, and now stands alone as one of the largest fintech companies in SE Asia in the B2B inventory financing, cash flow based financing, and payments space.

SariPay runs multiple products to service the sari-sari stores, their distributors, and the FMCG suppliers. These products include inventory financing, distributor financing, wholesale financing, payments, QRPH, cash management to name a few. We are also building new verticals in remittances, insurance, and bank partnerships.

Saripay Has Two Fintech Entities

• G2M Lending (a license with SEC) and runs as a non-banking financing company and houses our lending business.
• G2M Fintech (under BSP) that runs our wallets, insurance, and other financial services products.
  
  

The Head of Credit Policy and Data Science, is responsible for the above two legal vehicles.

The Role

SariPay is seeking a Senior Manager and Head, Credit Policy and Data Science, to lead the overall financial services business credit policy, scoring, and data science group (4-6 FTE and growing). The role reports to CEO, SariPay and functionally to our co-founder and CTO.

Policy Development And Management

• Design and implement comprehensive credit and underwriting policies aligned with our business strategy and risk appetite for our overall lending business.
• Design, build, and execute the acquisition, portfolio line management, collection policy for the lending business.
• Establish credit risk assessment criteria and methodologies to evaluate borrower creditworthiness
• Responsible for overall risk exposure of the business balance sheet.
• Maintain our policy documentation and changes for regulatory reporting.
  
  

Portfolio Analysis And Risk Management

• Analyze performance of existing credit portfolios, identifying trends and areas of concern
• Implement systems to monitor credit exposures and track key underwriting metrics
• Provide strategic insights to executive leadership based on data science outcomes
  
  

Data Science Leadership

• Build and mentor a team of data scientists specializing in credit risk modeling and analytics
• Develop scalable, accurate, and explainable credit risk models using machine learning and traditional statistical techniques
• Analyze large datasets to identify trends and drivers of credit risk
• Build and strengthen our overall MIS and tracking capabilities that drive our business metrics.
  
  

Collaboration and Stakeholder Management

• Work closely with finance, product, technology, and compliance teams to ensure alignment of credit policies with overall business objectives
• Communicate complex technical concepts and model outcomes to non-technical partners
• Generate regular reports for senior management on credit portfolio performance and risk profile
  
  

Innovation and Continuous Improvement

• Stay abreast of emerging technologies in Machine Learning and AI for credit risk assessment
• Evaluate new and alternative data sources to enhance fraud and credit risk processes
• Drive the evolution of the company's risk data infrastructure
  
  

Compliance and Governance

• Ensure credit policies and practices comply with regulatory requirements (e.g., RBI) and industry standards
• Establish proper governance process control for effective review of product documents, credit programs, and policy changes
  
  

Team Leadership and Development

• Build and mentor a team of credit analysts and risk management professionals
• Provide training and guidance to the credit team and other relevant departments on credit policies, procedures, and best practices
  
  

Experience

• Master's degree in Data Science, Statistics, Finance, or related field
• 8+ years of experience in credit risk management and data science, with a focus on the financial services industry.
• Strong leadership skills and experience managing cross-functional teams
• Advanced proficiency in Python and relevant data science programming capabilities.
• In-depth knowledge of credit risk scoring methodologies, regulatory frameworks, and model governance
• Experience with big data technologies and distributed systems
• Excellent communication skills and ability to translate complex technical details into actionable insights
  
  

This role offers a unique opportunity to shape the credit strategy of our organization through the integration of traditional credit policy expertise with cutting-edge data science techniques in the dynamic financial services sector.