Security Bank CorporationSAVP Late Collections Head
Sep. 2020Metro Manila- Provide strategic leadership for Late Collections operations across Retail and MSME banking products (61+ DPD), overseeing Php265B+ in past due exposures spanning Auto, Business Loans, Credit Cards, Mortgages, and Personal Loans. - Steer enterprise-wide recovery strategies, leveraging internal teams and multiple external agencies (654+ FTEs) to maximize collection and recoveries, optimize asset quality, and contain credit risks. - Shape risk governance and performance discipline by embedding robust KPI monitoring (roll rates, recoveries, write-offs, ROPA buybacks) and ensuring alignment with corporate objectives and regulatory standards. - Influence enterprise strategy through cross-functional leadership, partnering with Credit, Legal, Risk and Operations to strengthen controls, governance, and credit frameworks. - Play a pivotal role in growth and profitability, contributing to portfolio acquisitions, and sales strategic partnerships (Mitsubishi, Grab, Globe, McKinsey) and product profitability initiatives. - Champion innovation in risk management, co-designing with Risk management the credit risk framework to enhance customer creditworthiness assessment and portfolio resilience.