In recent years, the Philippines has been experiencing significant growth in retail, small businesses and mortgage lending. This is due to an increasing credit demand from new and existing segments of the population, the rapid development of the consumer banking sector, and the progress of macroeconomic conditions. Consumer CreditScore aims to be the Philippine’s most trusted analytics services company, by committing to financial inclusion for all Filipinos via objective, accessible and standardized credit scores. We aim to change the credit industry by providing a larger sector of the population even more access to credit markets, thus improving lives, businesses and the country’s economy.

Mission

Enable financial inclusion by:

Establishing the FICO® Score as the national benchmark for consumer credit access through the deployment of international consumer credit analytic methodologies adapted to the local market.

Increasing consumer credit access to Filipinos who are currently outside the credit framework through the use of multiple data sources and globally proven analytic-based lending risk techniques.

Leading the nation in the development and execution of an education framework by building sound practices in managing access to credit and advocating financial responsibility at the lowest levels.

Vision

Be the Philippines’ leading credit analytics company enabling financial inclusion for Filipinos through objective, accessible and standardized consumer credit scores.

Meet the team

Klaas van Wyk de Vries

A seasoned veteran in credit risk management, Klaas has gained an extensive enterprise wide risk management experience from working at a strategic level in multinational banks and retail financial services from South Africa, Europe and Asia. Having recently joined CCS as its Chief Operating Officer, Klaas is instrumental in the company’s goal to pioneer financial inclusion in the Philippines;
A task that he previously championed as Chairman of the South African Consumer Association, where he was heavily involved in the integration and standardization of the sharing of credit information between retailers and banks as well as between credit bureaus. A FICO® alumnus, he was also involved in the launch and implementation of the “Expansion Score”, the first bureau score developed by FICO® on the
unbanked population in the country. This score was a major instrument in allowing the unbanked population access into mainstream banking products. His other previous roles include acting as International Risk Director for Tesco Bank, Director for Barclays Group Risk, and Senior Vice President for ABN Amro Bank in the Netherlands.

Michelle Abella-Rostrata

Leading the CCS’s Analytics team is Michelle, who believes that a credit score is one of the most powerful tools in providing quick assessment and objective risk measurement of a person’s creditworthiness.

Previously a Manager and Risk Analytics Officer of Bank of the Philippine Islands (BPI) and a Senior Risk Modeler of Banco de Oro (BDO), Michelle has over 12 years of experience in credit risk data, model development, model monitoring and implementation, analytics and the independent model validation of both retail and corporate portfolios.

She also holds a Bachelor of Science degree in Statistics from the University of the Philippines Diliman with units in Master in Business Administration from the same university.

Sawfin F. Saw-Buan

An Information Technology professional with over 20 years of experience in business development, operations, project delivery, marketing and customer process improvement.

She was instrumental in building the business analytics market for Banking and Financial Services Industry and Public Sector for analytics software SAS Institute Inc where she spent 12 years. She was Director for Sales covering Philippines and the Pacific Region (Indonesia and Vietnam). Such experience enabled her to work closely with customer senior executives helping address issues on Risk Management for Credit, Regulatory Compliance for Basel 2, Anti Money Laundering and Customer Relationship Management.

Prior to joining CCS, Sawfin was Country General Manager of Thakral One (Phils), a Singaporean services company focused on providing banking services and analytics. She also held various project delivery roles for public sector projects such as the Department of Budget and Management (DBM) as senior consultant that led to the initial roll out of the Budget and Treasury Management System (BTMS). She also held a key IT position in global consulting firm Accenture based in Singapore.

Earlier, she worked with the Development Bank of the Philippines (DBP) and was with consumer giant Matsushita Electric Philippines Co.

Sawfin’s extensive experience provides a strategic advantage in driving the company’s growth direction to address the need of the banking and financial services industry as well as government regulators, leveraging the value of Credit Bureau Scores for various segments of the market.

Arnaldo L. Cruz

At the helm of CCS’s IT team is another seasoned veteran. With over 38 years of extensive experience in Information and Communications Technology and Operations, Arnaldo has helped numerous government agencies and financial institutions with the development and implementation of sound and practical solutions that meet both the company and consumer’s needs.

His previous work experiences range from setting up and implementing the nation’s Credit Information Registry system, developing and implementing Information Systems Strategic Plans, Information Security Policies and Business Continuity Plans for government and private financial institutions, to setting up and implementing a local bank’s systems and technology infrastructure as its Chief Information Officer.

Arnaldo’s vast knowledge in bank systems and operations, particularly with credit cards, loans, loans origination, credit bureau systems and electronic banking solutions, combined with his experience in project management and implementation, make a powerful combination that is vital to the success of CCS’s future endeavor.

Mission

Enable financial inclusion by: Establishing the FICO® Score as the national benchmark for consumer credit access through the deployment of international consumer credit analytic methodologies adapted to the local market. Increasing consumer credit access to Filipinos who are currently outside the credit framework through the use of multiple data sources and globally proven analytic-based lending risk techniques. Leading the nation in the development and execution of an education framework by building sound practices in managing access to credit and advocating financial responsibility at the lowest levels.

Vision

Be the Philippines’ leading credit analytics company enabling financial inclusion for Filipinos through objective, accessible and standardized consumer credit scores.

Meet the team

Klaas van Wyk de Vries

A seasoned veteran in credit risk management, Klaas has gained an extensive enterprise wide risk management experience from working at a strategic level in multinational banks and retail financial services from South Africa, Europe and Asia. Having recently joined CCS as its Chief Operating Officer, Klaas is instrumental in the company’s goal to pioneer financial inclusion in the Philippines; A task that he previously championed as Chairman of the South African Consumer Association, where he was heavily involved in the integration and standardization of the sharing of credit information between retailers and banks as well as between credit bureaus. A FICO® alumnus, he was also involved in the launch and implementation of the “Expansion Score”, the first bureau score developed by FICO® on the unbanked population in the country. This score was a major instrument in allowing the unbanked population access into mainstream banking products. His other previous roles include acting as International Risk Director for Tesco Bank, Director for Barclays Group Risk, and Senior Vice President for ABN Amro Bank in the Netherlands.

Michelle Abella-Rostrata

Leading the CCS’s Analytics team is Michelle, who believes that a credit score is one of the most powerful tools in providing quick assessment and objective risk measurement of a person’s creditworthiness. Previously a Manager and Risk Analytics Officer of Bank of the Philippine Islands (BPI) and a Senior Risk Modeler of Banco de Oro (BDO), Michelle has over 12 years of experience in credit risk data, model development, model monitoring and implementation, analytics and the independent model validation of both retail and corporate portfolios. She also holds a Bachelor of Science degree in Statistics from the University of the Philippines Diliman with units in Master in Business Administration from the same university.

Arnaldo L. Cruz

At the helm of CCS’s IT team is another seasoned veteran. With over 38 years of extensive experience in Information and Communications Technology and Operations, Arnaldo has helped numerous government agencies and financial institutions with the development and implementation of sound and practical solutions that meet both the company and consumer’s needs. His previous work experiences range from setting up and implementing the nation’s Credit Information Registry system, developing and implementing Information Systems Strategic Plans, Information Security Policies and Business Continuity Plans for government and private financial institutions, to setting up and implementing a local bank’s systems and technology infrastructure as its Chief Information Officer. Arnaldo’s vast knowledge in bank systems and operations, particularly with credit cards, loans, loans origination, credit bureau systems and electronic banking solutions, combined with his experience in project management and implementation, make a powerful combination that is vital to the success of CCS’s future endeavor.