Head of Remedial Management

The Head of Remedial Management owns the full lifecycle of at-risk accounts — from early warning identification through workout, restructuring, settlement, and where necessary, legal recovery. This is not a reactive collections role. You will proactively design and execute resolution strategies for SME borrowers, working closely with the investment and legal teams, external counsel, and where relevant, the courts. You report directly to the President/COO and have authority to recommend write-offs, settlements, and legal action to the credit committee.CORE MANDATEWHAT YOU ARE ACCOUNTABLE FORPAR30 and NPL containment across the ARQ portfolioProactive early warning system — flagging deterioration before defaultWorkout and restructuring strategies per account — negotiated, not templatedLegal recovery coordination: BP22, estafa, civil suits, and asset executionRecovery rate targets reported quarterly to the credit committee and boardSettlement authority recommendations within board-approved thresholdsWHAT YOU WILL DOOwn the remedial watch list — build and maintain account-level action plansConduct direct borrower engagement for restructuring and settlement negotiationsDesign repayment schemes, dacion arrangements, and asset recovery strategiesCoordinate with external legal counsel on BP22, civil, and enforcement proceedingsPrepare remedial management reports for credit committee and board reviewBuild internal remedial protocols, escalation matrices, and resolution playbooksWork with the investment team on covenant breach triggers and early interventionWHAT WE REQUIRE10+ years in credit, collections, or remedial management in a Philippine NBFI, rural bank, thrift bank, or lending companyHands-on experience with SME or mid-market borrower workoutsWorking knowledge of BP22, Rule 68 foreclosure, extrajudicial remedies, and Philippine civil litigation processDemonstrated recovery track record — not just case filingExperience presenting to credit committees or boardsStrong negotiator — comfortable in direct, high-stakes borrower conversationsJD or legal background strongly preferred; CMAP accreditation a plus