Credit Risk Officer - Ardent Networks Inc. - Pasig City
(2025-11)
- Lead credit investigations, financial document reviews, and external bureau coordination to assess client creditworthiness and support sound credit limit and payment-term decisions.
- Maintain and strengthen the credit risk scoring framework, client accreditation review process, and regular approval reporting to improve decision consistency and governance.
- Ensure data integrity across internal systems while managing onboarding records and credit data required for accurate portfolio monitoring.
- Partner with Sales to clarify credit status, limits, and terms, while developing SOPs and workflow improvements that streamline endorsements and stakeholder approvals.
Risk Officer – Credit Risk Management - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City
(2024-02 - 2025-06)
- Strengthening credit risk frameworks aligned with regulatory requirements and internal risk appetite, improving underwriting discipline and decision consistency.
- Conducted stress testing, scenario analysis, and portfolio monitoring, translating risk trends into actionable insights that supported loan strategy and portfolio quality.
- Led fraud investigations, complaint reviews, and borrower due diligence to protect the business from financial, compliance, and reputational exposure.
- Partnered with Data, Product, Operations, Collections, and Customer Support teams in cross-functional risk reviews, helping evaluate enterprise and partner-driven initiatives.
- Used SQL-based churn analysis and risk reporting to identify at-risk segments, support retention strategies, and improve customer lifetime value
Escalation Specialist – Operations Department - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City
(2020-07 - 2024-02)
- Led fraud investigations and escalation risk reviews, identifying loss patterns and delivering insights that informed control and process improvements
- Developed enhanced KYC checks and an approval matrix for high-value applications above ₱250K, strengthening control rigor and review efficiency.
- Managed complex end-to-end issue resolution across teams, helping minimize operational disruption and improve client-facing responsiveness.
- Recovered excess borrower funds from system-related errors and formalized SOPs and workarounds that improved operational consistency and asset protection.
Recovery Officer - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City
(2020-06 - 2020-07)
- Recovered overdue accounts and negotiated repayment arrangements during the pandemic while maintaining compliance and professionalism.
- Supported structured collection campaigns that improved recovery performance and reduced potential losses.
Loan Officer - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City
(2019-11 - 2020-06)
- Managed end-to-end loan processing, origination, review, approval, and closing, ensuring compliance and timely disbursement of loans.
- Conducted KYC due diligence, credit, and financial analysis, approving risk-aligned loan proposals and reducing default exposure.
- Supported senior credit officers with complex loan applications and portfolio reviews, enhancing decision accuracy and efficiency.
- Maintained strict confidentiality of client and bank records, ensuring regulatory compliance.
- Expanded loan portfolio and revenue by acquiring new clients, strengthening relationships, and streamlining loan management processes, contributing to measurable business growth.
Switchboard Officer - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City
(2019-08 - 2019-11)
- Handled high-volume calls, routed inquiries, and ensured smooth internal communication.
- Delivered excellent customer service by addressing concerns, resolving issues, and providing effective solutions.
- Scheduled appointments, logged call data, and maintained accurate contact databases.
- Adapted quickly to new tools and processes, improving efficiency and supporting operational improvements.
- Increased customer satisfaction through timely issue resolution and proactive support.
Credit Analyst Head - WeShop Global Philippines, Inc. - Makati City
(2019-05 - 2019-08)
- Supervised credit operations and team workflow execution to maintain service levels, accuracy, and operational efficiency.
- Managed overdue accounts and repayment coordination to reduce delinquencies and support customer retention.
- Performed final credit investigation checks and supported cross-functional process improvements in lending operations.
Collection Specialist - Fast and Pay Financial, Services, Inc. - BGC, Taguig City
(2019-02 - 2019-05)
- Developed collections protocols, handled escalations, and supported team capability through training.
- Recovered overdue payments through structured outreach and compliant collection practices.
Collection Officer / Admin Support - LendCircle Lending Corp. - Makati City
(2017-11 - 2019-01)
- Supported loan processing, collections monitoring, and administrative operations across day-to-day lending activities.
- Negotiated repayment arrangements for overdue accounts and helped recover matured pawned items through system-based monitoring.
- Contributed to inventory, logistics, accounting, and customer service processes that supported overall branch operations.
