Data Steward

Job Title:

Location:

Experience:

About the Job

We are seeking a highly organized and impact-driven Data Steward / Data Program Manager to lead data governance, quality, and lifecycle management initiatives across our Credit Risk, Lending, and Customer Data domains in Retail Banking. This high-visibility Individual Contributor role ensures that business-critical data powering risk models, loan decisions, and regulatory reporting is accurate, consistent, and trusted. The ideal candidate combines data management expertise with strong stakeholder and program management skills, ensuring the bank’s data ecosystem remains governed, high-quality, and analytics ready.       

Job Responsibilities:

• Own data governance and quality

  across Credit Risk, Loan, and Customer Data domains — ensuring data is accurate, consistent, and compliant with regulatory and internal standards.

• Define and enforce data policies, standards, and lineage

  to support credit risk modeling, portfolio analytics, and regulatory reporting.

• Collaborate with cross-functional teams

  (Data Engineers, Risk Analysts, Product Managers, and Technology teams) across Chennai, Manila, and Singapore to design and implement robust data governance and quality.

• Create and regularly update the data dictionaries

  and metadata

  repositories for the tables primarily used by the Risk, Collection, Marketing, Growth, Upsell and Data Science teams.

• Monitor and report data KPIs

  through dashboards (Power BI / SQL / Python), providing transparency into data health and usage across the organization.

• Be resourceful and industry-connected

  to identify and evaluate alternate data sources enhancing Credit Risk Models, Income Estimation, and KYC processes; report insights quarterly to the CDO.

•  

  Develop and document data

  lineage, ER diagrams, and feature stores with standardized schemas and metadata to ensure transparent, reusable, and well-governed data assets across customer and loan journeys, supporting cross-team analytics and Tendo–Tonik integration.”

• Data Sourcing & Validation from external vendor portals (Telcos, Public Databases) from

  external vendor portals to support sourcing decisions.

• Vendor Collaboration & Data Partnerships:

  Establish and nurture data-sharing agreements with key vendors; define data requirements, formats, and SLAs.

• Process Improvement & Governance

  : Define and implement data-driven sourcing playbooks, governance policies, and standard operating procedures

• Identify bottlenecks

  in data flow and procurement processes; implement automations and process improvements.

• Present insights and recommendations

  to executives and cross-functional teams clearly and concisely.

• Translate business needs into data requirements

  ; bridge the gap between technical and non-technical stakeholders.

Preferred Experience and Qualification:

• Bachelor’s or master’s Degree in computer science/ Statistics/ Data Science/ Engineering

• 4+ years Relevant experience in

  data management, data governance, or data analytics

  within

  banking/financial services

  , preferably in

  Credit Risk, Loan Operations, or Regulatory Reporting

  .

• Proficiency in

  SQL, Python, and Power BI

  ; experience with

  data lineage, feature stores, and metadata management

  ,

  Exceptional Presentation Skills

• Domain Knowledge:

  Understanding of

  credit risk modeling (PD, LGD, EAD), Basel/IFRS9 frameworks, KYC, and lending processes

  .

• A collaborative team player who fosters a calm, composed work environment and aligns with organizational goals

Who we are looking for:

As our approach to banking is not ordinary, we need someone who:

• is willing to go the extra mile to achieve success

• embodies our core values: teamwork, honesty, reliability, a sense of humor, and street smarts

• is energetic and lively, bringing enthusiasm to every challenge

• is an innovative and creative thinker who thrives in our unconventional approach to banking

About Tonik:

We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality.

Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila, Chennai, and Kyiv