Business Analyst

PalmPay Financing Corp.; Taguig; On-site; PHP 420,000 - 660,000; Full time

Benefits offered by this job

Performance Bonus

Incentives

Company Equipment

Job summary

PalmPay Financing Corp. in Taguig is seeking a BI Analyst to support data-driven decisions across consumer finance and installment lending. You will analyze lending performance, customer behavior, risk trends, collections efficiency, fraud detection, and sales optimization.

The ideal candidate has 2–5 years fintech analytics experience, strong SQL, and proficiency in Power BI or Tableau; knowledge of Python or R is a plus. Collaboration with Risk, Credit, Sales, and Ops is essential.

Qualifications

• Bachelor’s degree in Statistics, Mathematics, Economics, CS, Business Analytics, Finance, or related field.
• 2–5 years of experience in BI, Data Analytics, Risk Analytics, or Collections Analytics within fintech, digital lending, or consumer finance.
• Strong SQL skills are mandatory.

Responsibilities

• Analyze the end-to-end lending funnel including customer applications, credit approvals, repayment behavior, delinquency trends and monitor key lending KPIs (Approval Rate, Conversion Rate, Disbursement Rate, M1/M2+ Delinquency, Roll Rate, Vintage Analysis, DPD, Recovery Rate).
• Develop and maintain automated dashboards and reports using BI tools such as Power BI or Tableau.
• Support Risk, Collections, and Operations with portfolio analysis, segmentation, and predictive insights.

Skills

SQL

Power BI

Tableau

Google Data Studio

Python/R

Education

Bachelor's degree in Statistics/ Mathematics/ Economics/ Computer Science/ Business Analytics/ Finance

Tools

Excel

ETL tools

Data Warehousing

Python

R

Job description

On-site - Taguig 1-3 Yrs Exp Bachelor Full-time

Job Title: BI Analyst

Job Description

Employee Recognition and Rewards

Performance Bonus, Incentives

Government Mandated Benefits

Company Equipment

Professional Development

Professional Development

Job Summary

We are seeking a highly analytical and detail-oriented Business Intelligence (BI) Analyst to support data-driven decision-making across our consumer finance and installment lending business. The role is responsible for generating actionable insights related to loan performance, customer behavior, risk trends, collections efficiency, fraud detection, and sales conversion optimization.

The ideal candidate has strong experience in fintech, digital lending, or consumer finance environments and possesses advanced analytical skills with a solid understanding of lending operations and portfolio performance metrics. This role will work closely with Risk, Credit, Sales, Collections, Product, and Operations teams to improve portfolio quality, operational efficiency, and business growth.

Key Responsibilities

• Analyze the end-to-end lending funnel including:
• Customer applications
• Credit approvals
• Repayment behavior
• Delinquency trends
• Monitor and track key lending KPIs such as:
• Approval Rate
• Conversion Rate
• Disbursement Rate
• M1/M2+ Delinquency
• Roll Rate
• Vintage Analysis
• DPD (Days Past Due)
• Recovery Rate
• Conduct deep-dive analyses to identify portfolio trends, customer behavior patterns, and operational inefficiencies.
• Develop and maintain automated dashboards and reports using BI tools such as Power BI or Tableau.
• Credit Risk
• Collections Performance
• Operational KPIs
• Ensure data accuracy, consistency, and timely reporting for management and business stakeholders.

Risk & Collections Analytics

• Support Risk and Collections teams through portfolio analysis, segmentation, and predictive insights.
• Analyze delinquency movement, roll-forward behavior, and collection effectiveness.
• Assist in evaluating and improving credit policies, scorecards, and underwriting strategies.
• Identify early warning indicators and emerging risk trends within the lending portfolio.
• Conduct fraud pattern analysis and identify suspicious customer or merchant activities.
• Support fraud prevention initiatives through anomaly detection and behavioral analytics.
• Collaborate with Fraud and Risk teams to improve controls, monitoring frameworks, and decision models.

Channel & Business Performance Analysis

• Analyze merchant, sales channel, and product performance to identify growth opportunities and operational gaps.
• Support pricing analysis, campaign evaluation, and profitability studies.
• Provide recommendations to improve conversion rates, loan quality, and customer acquisition efficiency.

Cross-Functional Collaboration

• Work closely with Risk, Sales, Collections, Operations, Product, and Technology teams to support strategic initiatives.
• Translate complex data into actionable business insights and management presentations.
• Assist in ad hoc analysis and business case preparation for new projects or process improvements.

Qualifications

• Bachelor’s Degree in Statistics, Mathematics, Economics, Computer Science, Business Analytics, Finance, or related field.
• Minimum of 2-5 years of experience in Business Intelligence, Data Analytics, Risk Analytics, or Collections Analytics within the fintech, digital lending, or consumer finance industry.
• Must have experience from consumer finance or installment lending companies such as:
• Home Credit
• Salmon
• Strong SQL skills are mandatory.
• Proficient in BI and visualization tools such as:
• Power BI
• Tableau
• Google Data Studio or similar platforms
• Strong understanding of lending and collections KPIs including:
• DPD
• Vintage Analysis
• Roll Rate
• PAR
• Recovery Metrics
• Experience in risk analytics, collections analytics, or fraud analytics is highly preferred.
• Advanced proficiency in Excel and data analysis techniques.
• Knowledge of Python, R, or statistical modeling tools is an advantage.
• Strong analytical thinking, problem-solving, and presentation skills.
• Ability to work in a fast-paced fintech environment and manage multiple priorities.

Preferred Qualifications

• Experience in digital lending, BNPL, credit cards, or unsecured lending products.
• Familiarity with data warehousing and ETL processes.
• Exposure to machine learning or predictive analytics is an advantage.
• Experience handling large datasets and creating automated reporting solutions.
• Business Intelligence & Data Analytics
• SQL & Data Querying
• Collections Analytics
• Problem Solving & Critical Thinking
• Stakeholder Management
• Process Improvement & Automation