Assistant Manager – Credit & Analytics

Lewis Personnel Management; Makati; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

Lewis Personnel Management is seeking an Assistant Manager – Credit & Analytics in the Philippines. This role centers on building and refining credit decisioning and risk analytics for restructuring and refinancing products.

You will own the credit framework, scorecards, and portfolio monitoring in a dynamic fintech environment with strategic investors and growing portfolios. The position emphasizes non-traditional, adaptive credit systems and a high-ownership path toward leading the credit

Qualifications

• 4–7 years of credit risk, analytics, or underwriting experience in fintech or digital lending.
• Experience building or scaling credit functions in early-stage environments.
• Strong data-driven decisioning and portfolio analytics capabilities.

Responsibilities

• Design credit frameworks for restructuring and refinancing products from first principles.
• Lead credit decisioning and approvals within defined authority.
• Develop scorecards and predictive credit models with structured and alternative data.
• Own end-to-end portfolio analytics, risk monitoring, and early-warning indicators.
• Partner with Product, Sales, and Technology to implement credit decisioning and dashboards.
• Mentor junior analysts as the credit function scales.
• Design experiments to test and improve credit policies and outcomes.
• Collaborate cross-functionally to align policies with borrower behavior.

Skills

Advanced Excel

SQL

Python

BI Tools

Tools

Power BI

Tableau

Job description

Assistant Manager – Credit & Analytics

Location: Philippines
Department: Risk & Credit Analytics
Reports To: Head of Risk / Country Lead – Philippines
Employment Type: Full-time

Role Context

This is not a traditional credit maintenance role.

We are looking for a credit professional who has built, scaled, or significantly improved credit risk functions within an early-stage fintech or digital lending environment—someone comfortable operating in ambiguity, building frameworks from scratch, and continuously refining risk strategies based on live portfolio behavior.

As Assistant Manager – Credit & Analytics, you will own the credit decisioning and risk analytics function for restructuring and refinancing products.

Traditional underwriting approaches do not always work in distressed lending. This role requires you to engineer risk through data, borrower behavior, portfolio analytics, and structured repayment design.

The ideal candidate is a high-ownership individual contributor who can eventually help build and lead the credit function.

Role Overview

The organization specializes in distressed consumer credit and subprime segments across Asia-Pacific.

In the Philippines, the business provides structured financial solutions to salaried employees through:

• Debt Restructuring
• Loan Consolidation
• Refinancing Programs
• Mediation and Negotiation Advisory

The business requires non-traditional, adaptive credit systems that respond to real borrower behavior and changing portfolio conditions.

The organization is a profitable financial technology and advisory business with group AUM of USD 400M+ as of FYE March 2026, backed by strategic investors from the US and India with diversified portfolios across finance, technology, and energy.

Its mission is to simplify financial health for everyday consumers through innovation, empathy, and execution.

Key Responsibilities

1. Credit Framework Design – 0→1 Ownership

• Build credit underwriting frameworks for restructuring and refinancing products from first principles.
• Define eligibility criteria that go beyond traditional bureau-led models.
• Develop risk segmentation frameworks for distressed borrowers.
• Design approval matrices, credit cut-offs, and exception-handling frameworks.
• Continuously refine credit policies based on actual portfolio performance and borrower behavior.

Key expectation: You are not simply executing an existing credit policy—you are helping build and evolve it.

2. Credit Decisioning & Approvals

• Evaluate and approve credit applications within defined authority limits.
• Assess complex and non-standard borrower profiles where traditional underwriting may not apply.
• Develop structured approval logic for borrowers with multiple loans and elevated risk exposure.
• Balance growth and risk through clear, data-backed credit decisions.
• Maintain high underwriting quality while supporting responsible portfolio growth.

Focus: Quality of approvals, not simply approval volume.

3. Scorecard & Credit Model Development

• Build and refine predictive credit models using structured and alternative data.
• Perform feature engineering using borrower behavior, repayment patterns, exposure, and cash-flow information.
• Back-test and recalibrate scorecards based on actual portfolio performance.
• Identify variables and behavioral signals that can improve credit decisioning.

Potential data inputs include:

• Credit bureau data
• Bank statements
• Cash-flow patterns
• Digital lending exposure
• Repayment behaviorBorrower and transaction-level data

4. Portfolio Analytics & Risk Monitoring

Own end-to-end monitoring of portfolio risk and performance.

Analyze:

• Delinquency and DPD trends
• Vintage curves
• Cohort performance
• Roll rates and repayment patterns
• Segment-level risk performance
• Portfolio exposure and concentration

Develop early-warning indicators to identify deterioration before it materially impacts the portfolio.

Key outcome: Proactively identify and manage risk rather than reacting after losses occur.

5. Risk, Product & Business Integration

• Partner closely with Product and Sales teams to ensure credit policies reflect real-world borrower behavior.
• Translate portfolio insights into product and structuring decisions, including tenure, pricing, repayment structures, and eligibility.
• Work with Product and Technology teams to implement and automate credit decisioning and risk rules.
• Support the development of dashboards covering approval rates, portfolio performance, risk segmentation, and funnel conversion.
• Ensure data integrity and accuracy of credit and portfolio reporting.

6. Individual Ownership → Future Team Build

Initial Phase – 0 to 6 months

• Operate as a high-ownership individual contributor.
• Own credit decisions and underwriting processes end-to-end.
• Build a deep understanding of borrowers, products, and portfolio behavior.
• Establish and improve credit frameworks and analytical processes.

Future Phase – Based on Performance

• Support the hiring and development of junior credit analysts.
• Mentor team members and review underwriting decisions.
• Help establish credit team structures, workflows, and quality controls.
• Take on broader leadership responsibilities as the credit function scales.

Leadership responsibility will be earned through underwriting quality, analytical depth, and portfolio performance.

7. Experimentation & Continuous Improvement

• Design and run controlled experiments involving credit policies, cut-offs, segmentation, and approval strategies.
• Measure the impact of changes on approval rates, default rates, delinquency, conversion, and unit economics.
• Apply a continuous test → learn → iterate approach to credit strategy.

8. Cross-Functional Collaboration

Work closely with:

• Sales – to understand borrower profiles and real-world customer situations.
• Collections & Financial Literacy – to understand repayment and failure patterns.
• Data – to improve data capture, quality, and analytical capabilities.
• Product & Technology – to implement and automate credit decisioning.

Your role will help close the loop between underwriting assumptions, borrower behavior, and actual portfolio outcomes.

Candidate Profile

Must-Have Experience

• 4–7 years of experience in credit risk, credit analytics, underwriting, or related functions.
• Experience within fintech, digital lending, consumer lending, or a similar high-growth environment.
• Experience working in an early-stage or scaling business, ideally in a 0→10 environment.
• Hands-on experience in:
• Credit underwriting
• Credit risk analytics
• Portfolio monitoring
• Credit policy developmentScorecard or credit model development
• Strong experience working with data to support credit decisions.
• Experience in unsecured lending, subprime, distressed lending, or alternative credit is highly preferred.

Technical & Analytical Skills

Mandatory

Advanced Excel / Google Sheets

• Scenario modelling
• Risk simulations
• Complex financial analysis
• Portfolio analysis

SQL

• Data extraction
• Portfolio analysis
• Complex queries
• Data validation and manipulation

Preferred

Python

• Exploratory data analysis
• Feature engineering
• Basic model development

BI Tools

• Power BI
• Tableau
• Similar business intelligence platforms

Core Competencies

• Strong first-principles thinking
• High ownership and accountability
• Comfort operating in ambiguity
• Strong analytical and problem-solving skills
• Deep analytical curiosity
• Ability to challenge assumptions
• Strong business and risk judgment
• Ability to balance growth with risk
• Attention to detail with a big-picture perspective
• Builder mindset rather than a process-maintenance mindset

Who This Role Is Not For

This role may not be suitable for candidates whose experience is limited to:

• Large-bank environments with highly standardized, process-driven credit functions
• Executing established credit policies without developing or challenging them
• Manual underwriting without meaningful data analysis
• Roles with limited exposure to portfolio performance
• Environments where ambiguity and changing priorities are uncommon

We are looking for someone who has built, tested, challenged, and improved credit systems—not simply operated within an existing framework.

Key Performance Indicators

Success in this role will be measured through:

• Quality and consistency of credit underwriting
• Portfolio delinquency and DPD trends
• Approval quality, not simply approval rate
• Predictive performance of credit scorecards
• Effectiveness of early-warning indicators
• Risk-adjusted portfolio growth
• Continuous improvement of credit policies and decisioning
• Accuracy and reliability of portfolio analytics

Why This Role Matters

The organization operates in a segment where traditional credit underwriting does not always work.

You will help build a credit system capable of:

Underwriting complexity.
Structuring risk.
Using data to drive decisions.
Enabling responsible growth.

This is an opportunity to play a key role in building a next-generation credit engine for distressed consumer lending, with the potential to grow into a leadership position as the function scales.