Perform analysis on quality of portfolio, monitor, and assess active accounts to reduce or prevent bad debt losses.Identify early warning signals and emerging risks, and propose actions to effectively control risk within company policy and regulations.Analyze the unsecured lending portfolio and continually optimize risk strategy for fraud, and collection.Oversight of policy and governance framework, practices and standards to ensure effective risk management and foster the company’s potential to meet its salesTo monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels.To review the credit portfolio and propose appropriate corrective measures are initiated so as to ensure that overall business plan objectives are met and advise management through timely reports.To evaluate the credit process flow to identify opportunities for improvement and coordinate the implementation of the corrective tools.To monitor and review loan officer productivity levels and advise Commercial and Operations for appropriate action.To supervise the accomplishment of the risk exposure and authorization limits and generate periodic reports on results.To provide advice about the credit processes as required, verifying that the approved policies and norms are applied.To improve the effectiveness of the collections and recovery processes through proper segmentation and transactional analysis tools.Conduct monthly risk incentive calculation and take the necessary approval before execution.

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