We’re hiring our first Head of Credit to work alongside the Founders and lead our credit operations. This is a hands-on role for someone who’s ready to build processes, manage risk, and grow with us. You’ll bring experience from a solid lending or finance background in the Philippines, and you’ll play a big part in making N90 succeed. If you’re excited to create something from the ground up, this is for you.

Job Responsibilities

• Set It Up: Develop credit policies, underwriting processes, and risk strategies that fit our goals and customers.

• Get Involved: Handle loan reviews, assess risks, and make decisions while setting up systems that scale.

• Manage Risk: Keep an eye on our portfolio, spot issues early, and find ways to keep it healthy.

• Lead the Way: Start as a hands-on leader, then build and guide a credit team as we grow.

• Analyze: Use data to track performance and suggest smart changes to our approach.

• Stay Compliant: Make sure we follow Philippine regulations (like BSP rules) as we build.

• Work Together: Partner with the Founder and our small team to bring our vision to life.

• Improve: Find practical ways to make our credit operations smoother and better over time.