The Solutions Manager - Cash Lenders will be part of a team which will have responsibility to build the business for consumer / cash loan lenders. The team will: Develop the product that Netbank can provide on accounts and loans (These are complex solutions, so the position holder will need to have deep understanding of client needs and create confidence in the partners) Sell the product Support in onboarding – explain the regulation, the options, the financial implicationsManage clients who have onboarded to cross-sell additional productsProducts offered to these lenders will include:Cash Management SolutionCard ProgramWhite Labelled Apps and AccountsEmbedded Lending SolutionFunding for loans, likely under an FLDG arrangementOther Banking as a service solutions offered by the bank. As with all teams, this team will need to: Understand the segmentDeeply understand client needs in the segment Understand the competition and identify ways that Netbank can provide a product significantly better than the competition Design the product to achieve this differentiation, including ensuring the technical system capabilities can meet client requirements Gather feedback from users of the solution to identify points for improvement and potential solution iterations. Understand the financial automation needs, execution pain-points, and process gaps of a specific segment to identify solutioning opportunities using our banking products and services. Identify the costs and partnerships needed to build and operate the products and services that will make up the solution for a certain segment use case. Identify the operational capacity needed to build and operate the products and services that will make up the solution.Identify the regulations and risks involved Design a commercial model for the solution that will cover the costs of the underlying products and services and align with the marketEnsure scalability Manage a highly professional sales and on-boarding process, which responds at the speed that Fintech demand, keeps partners fully informed through the implementation process. Size the market and define targetsDefine the go to market strategy, which will include:Direct salesOutbound sales campaignsPromotion of inbound salesConferences and eventsDevelop sales materialIdentify solutions for clients through contextual inquiries and ideation. Negotiate commercials, get internal approvals for non-standard pricingIdentify additional services which existing clients need and propose these to clients. Oversee the implementation of the solution for clients. Achieve a rapid sales process. Monitor and validate the profitability, traction, and performance of the solution.
The CRO / Head of Risk is responsible for the overall risk control functions of Netbank. This will involve oversight of:Identifying the key risk exposures (e.g. market risk, liquidity risk, credit risk, technology risk, operational risk, compliance risk, etc.) and assessing and measuring the extent of risk exposures of the bank and its operationsMonitoring the risk exposures and determining the corresponding capital requirement in accordance with the Basel capital adequacy framework and based on the bank’s internal capital adequacy assessment on an on-going basisIndependent Risk Management Review of client approval documents provided by partner facing teamsInput into credit risk management processesDrafting, reviewing and revising the Risk Management manuals to cope with the current developments of risk disciplines in the industryBoard reportingSecretariat to the Risk Committee, Audit and Compliance CommitteeReporting on a regular basis to senior management and to the board of directors of the results of assessment and monitoring
The Head of Risk will also be responsible for leading the Credit Risk activities of the bank, which will include:Overseeing the portfolio monitoring functions (reporting and analysing credit risk)Overseeing and providing guidance to portfolio managers for each portfolio area (identifying actions to reduce portfolio riskAssessing and analyzing counterparty riskOverseeing loan product design and processes, to lower portfolio risk. Building credit risk tools and credit risk scorecards to lower credit riskOverseeing collections strategy and providing guidance to the collections team
Netbank’s differentiation is its ability to implement a partnership based business model, in a simple and client friendly manner. This requires Netbank to continuously ‘re-think’ the standard risk and compliance approaches, so as to re-design them for a partnership based business model. The holder of this position will succeed based on his / her ability to:Deeply understand the regulatory requirements and understand what specifically will be required to implement these requirements in the case of a partnership based bank. Creatively find solutions Understand the practical implications of policies and identify solutions which meet regulatory requirements yet also meet the requirements of Netbank clients.
The Legal Counsel cum Data Privacy Officer will primarily focus on contract management and negotiation with our commercial partners. The successful candidate will play a crucial role in ensuring the bank's contractual agreements with commercial entities are properly structured, legally compliant, and aligned with the bank's objectives
Contract Management: Draft, review, and negotiate contracts with commercial partners, including but not limited to vendor agreements, service level agreements, licensing agreements, non-disclosure agreements, and other related contracts.Negotiation: Collaborate with commercial partners to negotiate contract terms, conditions, and pricing to achieve mutually beneficial outcomes while safeguarding the bank's interests.Legal Compliance: Ensure that all contracts adhere to legal and regulatory requirements, as well as the bank's policies and guidelines.Risk Assessment: Identify and assess potential legal risks associated with proposed contract terms and conditions, and provide recommendations to mitigate those risks.Contract Administration: Maintain a comprehensive and organized contract database, monitor contract expirations and renewals, and facilitate timely contract amendments and terminations when necessary.Legal Advice: Provide legal guidance and support to internal stakeholders on contractual matters, including interpretation of contract provisions and resolution of contractual disputes.Data Privacy: Serves as the Data Privacy Officer, ensuring full compliance with data protection laws and safeguarding the organization’s data privacy practices.Collaboration: Work closely with cross-functional teams, including legal colleagues, business units, finance, procurement, and risk management, to ensure effective contract management processes and alignment with business objectives.Stay Updated: Keep abreast of relevant legal and regulatory developments related to contracts and commercial partnerships in the banking industry and adapt best practices accordingly.
ResponsibilitiesOversee AML Policy and ToolsPolicy Development: Update and refine AML policies and procedures to ensure they reflect current regulatory requirements and best practices.Assess Partners for AML Risk: Evaluate partner programs to understand AML risks specific to each partner, define necessary AML processes, and identify ways to reduce risks while maintaining customer experience.Compliance Training: Conduct AML training sessions for bank staff to enhance their understanding of AML regulations and compliance importance.Risk Assessment: Regularly assess AML risks related to products, services, clients, and geographies. Adjust monitoring tools and procedures accordingly, develop the bank’s Institutional Risk Assessment (IRA), and address any capability gaps.High-Risk Transaction Management: Develop policies and processes for managing payments related to gaming, gambling, and similar entities.Technology Implementation: Collaborate with IT and third-party vendors to implement and optimize AML monitoring systems, including KYB and KYC tools.Compliance Testing: Lead compliance testing across partners and departments.Customer AML Compliance: Review AML compliance for all new and existing customers.Loan Operations Review: Ensure Loan Operations Manuals align with the bank’s AML policies.Policy Verification: Confirm all necessary AML policies are in place.
Support the Evaluation of New Partners and Business ModelsProduct Compliance: Assess compliance exposures for existing and new products, supporting product teams and business partners in understanding regulatory requirements for new business lines.Risk Exposure Assessment: Evaluate compliance and risk exposures for existing and new segments.
Reporting: This role will initially report to the Chief Compliance Officer.
The HR Officer – Compensation & Benefits is responsible for supporting HR operations with a focus on compensation, benefits administration, payroll coordination, and employee records management. The role ensures the accuracy of HR data, supports employee lifecycle processes, and assists in the administration of employee benefits and HR documentation. The position contributes to the efficient and compliant operation of HR processes while providing administrative and operational support to the HR team.
Employee Records ManagementMaintain accurate, complete, and up-to-date employee records and HR databases.Process employee lifecycle changes such as promotions, salary adjustments, transfers, and terminations.Ensure proper documentation and filing of employee records in compliance with internal policies and regulatory requirements.Coordinate with relevant departments to ensure employee data is accurate across HR systems.Support regular audits of employee records to maintain data integrity and completeness.
Compensation & Benefits AdministrationAssist in administering employee compensation and benefits programs in accordance with company policies.Support the enrollment, updates, and maintenance of employee benefits records.Respond to employee inquiries regarding compensation, benefits, and HR policies.Coordinate with external providers (e.g., HMO, insurance, and other benefits providers) for employee enrollment, updates, and concerns.Support the monitoring and reconciliation of benefits-related records and documentation.
Payroll Support and CoordinationAssist in preparing and validating payroll inputs such as attendance records, leave data, allowances, and deductions.Coordinate with payroll administrators to ensure the accuracy and timely processing of payroll.Help maintain payroll-related records and documentation.Support payroll-related employee inquiries and basic troubleshooting of payroll concerns.
HR Documentation and ComplianceAssist in preparing HR-related documents such as employment contracts, employee notices, and HR forms.Ensure proper filing and maintenance of HR documentation.Support compliance with company policies and relevant labor regulations through accurate documentation practices.Maintain organized digital and physical HR files.
Data Management and ReportingPerform HR data entry and maintain internal HR trackers and systems.Assist in generating basic HR reports related to headcount, employee movements, benefits usage, and other HR metrics.Support the HR team in preparing data and reports required for internal reviews or audits.
Employee Lifecycle SupportAssist with onboarding processes, including preparing documentation and coordinating new hire requirements.Support offboarding processes such as documentation preparation and coordination with relevant departments.Help ensure smooth transitions during employee onboarding, internal transfers, and separations.
General HR Operations SupportProvide administrative and operational support to the HR team on day-to-day activities.Assist in HR projects and initiatives, including process improvements and HR system updates.Contribute to maintaining efficient HR processes and improving HR documentation and workflows.
Responsibilities The Solution Manager - Cards is responsible for driving business development for the cards solutions, owning the end-to-end sales cycle, and ensuring the creation and delivery of effective banking solutions for partners. The ideal candidate will have strong experience in card programs, BIN sponsorship, payment solutions, and partner management.
Business Development & Client ManagementIdentify, qualify, and prioritize potential partners/clients across various market segments.Lead outreach, discovery calls, and initial sales, converting leads from various channels (networking, cold calling, email campaigns, industry events) into active business relationships.Cultivate strong relationships with clients, partners, and stakeholders to foster long-term business partnerships.Manage existing onboarded clients to cross-sell additional products and identify new services they may require.Solution Strategy & DesignDeeply understand partners’ and segments’ financial automation needs, execution pain points, process gaps, and compliance constraints to identify solution opportunities.Translate business and client requirements into clear solution scopes and communicate these to the Product team, ensuring alignment with technical capabilities and product direction.Coordinate closely with Product and Development teams by facilitating discussions, providing context, and ensuring requirements are well understood for product design and development.Monitor the progress of solution delivery, aligning teams, tracking timelines, and ensuring that requirements and quality standards are met throughout implementation.Conduct market and industry research to analyze trends, customer needs, competitor offerings, and regulatory developments that inform solution design.Identify the operational requirements, resource needs, external partnerships, regulatory considerations, cost implications, and risks associated with building and operating the solution.Design commercial and pricing models that reflect the solution’s value, cover underlying costs, and align with market expectations.Sales, Negotiation & ImplementationDevelop compelling pitches and present tailored solutions and business proposals to prospective clients, clearly positioning Netbank's value proposition.Participate in sales meetings and negotiations to close deals and secure contracts.Negotiate commercials and secure internal approvals for non-standard pricing.Manage a highly professional and rapid sales and on-boarding process, keeping partners fully informed throughout implementation.Work with internal teams (tech, legal, compliance) to prepare proposals, pricing, and implementation pathways.Oversee the implementation of the solution and ensure a smooth handover of new partners to the onboarding and implementation teams.Performance & GrowthDefine the go-to-market strategy and develop sales material.Collaborate with the management team to develop and implement business development strategies that align with the company's growth objectives.Gather feedback from users and provide market insights to improve existing offerings or create new products.Monitor and validate the profitability, traction, and performance of the solution.
The Risk Manager - Credit Design will be primarily responsible for ensuring the financial health and credit performance of the loan portfolios. This position requires a deep understanding of credit risk management, portfolio analysis, and lending practices. The successful candidate will play a pivotal role in developing and implementing strategies to mitigate credit risk, optimize portfolio performance, and support the growth of our lending business.
Credit Risk Modeling & AnalyticsDevelop and maintain databases for statistical analysis of historical loan performance.Identify predictive criteria for loan losses and continuously refine risk models.Conduct stress testing and scenario analysis to assess portfolio resilience.Lending Criteria & Risk MitigationDefine and optimize loan acceptance criteria for different programs.Conduct in-depth loan reviews to understand risk drivers and refine credit policies.Evaluate alternative data sources (e.g., CIC, alternative credit scoring models) to enhance risk assessment.Credit Decision & Risk Management ToolsAssess and implement credit decision tools to streamline loan approvals.Identify and remove non-value-adding risk mitigation steps in the lending process.Lead projects to integrate advanced risk assessment models into lending workflows.Loan Product DevelopmentDesign tailored salary loan products that balance risk, profitability, and market demand.Establish risk-adjusted pricing strategies based on data-driven insights.Oversee product launches, ensuring seamless integration with marketing and operations.Portfolio & Limit OptimizationDevelop strategies to maximize profitability while minimizing credit losses.Set and review credit limits, ensuring compliance with risk management frameworks.Diversify exposure across client segments to mitigate concentration risk.Process Optimization & EfficiencyAnalyze lending workflows to identify inefficiencies and reduce processing time.Automate and streamline risk assessment processes to enhance decision-making speed.Support projects aimed at expanding loan product offerings and improving accessibility.Market & Competitive AnalysisConduct ongoing market research to identify trends, opportunities, and competitive positioning.Benchmark industry best practices to ensure continuous improvement in credit design.Align salary loan offerings with evolving client needs and economic conditions.Regulatory & Compliance OversightEnsure all salary loan activities comply with internal policies and regulatory requirements.Monitor key risk metrics and enforce timely interventions where necessary.Prepare performance reports, providing insights into portfolio health, profitability, and risk levels.Cross-functional CollaborationWork with sales, marketing, and operations teams to align credit strategies with business objectives.Build partnerships with external data providers and fintech firms to enhance credit decisioning.Team Leadership & DevelopmentMentor and develop teams in credit risk analysis, portfolio management, and product innovation.Drive a culture of data-driven decision-making and continuous improvement.
The Treasury and Accounting Manager is responsible for managing day-to-day treasury activities to ensure sufficient bank funding and effective liquidity management. Reviews the work of team members for accuracy, completeness, and compliance with accounting policies and standards. Prepares and reviews complex reports such as comparative trial balances and account(daily/monthly) reconciliations.
Treasury ManagementMonitor daily bank balances to ensure adequate liquidity.Review and approve fund transfers and investment placements (e.g., Treasury Bills).Maintain and update bank records, including authorized signatories and maker/checker assignments.Review cash flow reports and coordinate with banks on funding and reconciliation matters.Prepare and review ALCO, CAR, and MLR reports, including liquidity and treasury-related reports.Regulatory Compliance and ReportingAssist in filing of all required reports and returns to BSP, PDIC, SSS, HDMF, PhilHealth, BIR, and LGUs.Maintain complete documentation and audit trail for all submissions.Support internal and external audits and compliance reviews.Financial Reporting and ReconciliationEnsure treasury, payables, and accrual accounts are supported by reconciled schedules.Review daily and monthly bank reconciliations and serve as back-up preparer when needed.Review and resolve reconciling items promptly.Prepare and review manual journal entries.Prepare and review complex reports such as Comparative Trial Balance and variance analyses.Team Collaboration and ReviewReview outputs prepared by team members for accuracy and consistency.Provide feedback and guidance to ensure efficiency and process improvement.Support automation and enhancement of treasury and accounting workflows.
The Branch Manager will be responsible for supervising and managing branch operations. They will oversee financial reporting, hire and train staff, and grow branch revenue. Ensures the branch goals and performance targets/ KPIs are met, including timely preparation of the weekly, monthly, annual reportsPromotes Netbank’s offering to other SMEs, government agency, etc. to achieve the sales target in RomblonManaging and driving branch sales performanceDeveloping and implementing strategies to improve Romblon Branch’s productivity and financial targetsLead and motivate branch employees by incorporating Netbank’s vision & mission Oversee and spearhead all marketing loans transactions of Romblon BranchCoordinate with HR to provide proper training to branch employees regarding policies and operationsAssist in ensuring that the branch is in compliance with the Federal and BSP rules and regulationsWork with the Central Operations to final check the financial statements of Romblon BranchRepresent the bank at the community functions and organizations to market and promote the bank’s offerings in RomblonWhenever it is necessary a branch manager perform some tasks related with the sales & business managementOther ad hoc activities assigned by the Chairman of the Board
Responsibilities Partner & Relationship ManagementSource and onboard fintech and tech-service partners suitable for invoice discounting programs.Serve as the primary commercial and operational lead for partner negotiations and program rollouts.Coordinate partner enablement: training, SLAs, and operational playbooks for invoice submission and reconciliation.Maintain an active engagement cadence to drive partner activation, utilization, and retention.
Credit Execution & Underwriting (Execution-focused)Execute underwriting and approve partner-originated invoice discounting transactions per approved policies.Verify invoices and supporting documentation; coordinate third-party verification where required.Manage day-to-day credit decisioning workflows to meet turnaround-time SLAs.Escalate exceptions and suspicious cases to Risk/Compliance for further review.
Product Operations & DeliveryEnsure smooth end-to-end operational flows: invoice intake, verification, disbursement, settlement, and reconciliation.Coordinate with Tech and Ops to resolve operational exceptions and reduce time-to-fund.Implement standard operating procedures and checklists to ensure consistent execution.Track and improve operational KPIs (e.g., time-to-fund, error rates).
Portfolio Management & Collections (Execution-focused)Monitor portfolio performance and manage collections for delinquent accounts in coordination with Recovery teams.Execute remediation and workout actions for distressed invoices within delegated authorities.Maintain accurate portfolio records, aging schedules, and provisioning inputs for Finance/Risk.Manage day-to-day exposure limits and ensure adherence to concentration thresholds.
Reporting & Stakeholder CommunicationProduce regular management reporting on originations, utilization, portfolio quality, and operational KPIs.Coordinate with CINO, Risk, Compliance, Finance, and Legal for approvals and month-end close items.Provide input to product pricing and fee adjustments based on observed performance.Represent the product on cross-functional forums to drive continuous improvements
