Commercial Finance Analyst

Home Credit Philippines; Philippines; Hybrid; PHP 420,000 - 740,000; Full time

Benefits offered by this job

Hybrid work set-up

Permanent dayshift schedule

Up to 20% variable performance-based

HMO on Day 1 / HMO with dependents

Mental health coverage

Wellness Leave and Birthday Leave

Internal Career Mobility

International office exposure

Job summary

Home Credit Philippines is seeking a Commercial Finance Analyst to deliver regular profitability insights and lifetime profitability models for key product lines. You will collaborate with Product Heads, Risk analysts and senior management to help meet profitability KPIs.

You will prepare monthly reports, serve as the finance lead on product initiatives, and support digitization efforts to improve reporting efficiency. A strong Excel skillset and business acumen are essential.

Qualifications

• 1–3 years+ experience in a finance, commercial or business analyst role.
• Familiar with personal/consumer loans and/or credit cards.
• Analytical mindset with strong attention to detail.

Responsibilities

• Prepare monthly profitability reports for core products (POS loans, cash loans, revolving loans, value-added services).
• Act as primary finance contact for initiatives related to the assigned product.
• Create lifetime profitability (LTP) models as needed by business units.
• Ensure LTP reports are accurate, reliable and timely.
• Benchmark products against competition and suggest improvements.
• Support digitization efforts around LTP reporting.

Skills

Advanced Excel

Financial analysis

Job description

Job Description:

About The Job

The Commercial Finance Analyst prepares regular profitability reports to help the Commercial Finance Manager make recommendations and decisions related to product profitability. They are also to support business units in identifying key initiatives which can boost profitability through the use of lifetime profitability models. They are also to work closely with Product Heads, Risk analysts and managers, and with senior management in order to help the business meet commercial KPIs and lifetime profitability targets.

What You’ll Do

• Prepare monthly profitability reports for one of HCPH’s main products: POS loans, Cash Loans, Revolving Loans, and Value-added services
• ct as primary point of contact within Finance for initiatives related to assigned product
• Create lifetime profitability (LTP) models as needed by business units/streams
• Maintain high level of integrity in reports prepared: ensure that LTPs are accurate, reliable, and prepared within reasonable timeframe
• Benchmark HCPH's products against competition and suggest modifications.
• Support the commercial finance manager in the digitization efforts around LTP reporting.

What You Need To Have

• 1-3 years+ of experience in a finance, commercial, or business analyst role
• Familiar with industry – knowledgeable about personal/consumer loans and/or Credit Cards
• Advanced proficiency in Using Microsoft Excel
• Analytical mind, problem solving, well organized and can be trusted to take full ownership and pay attention to detail.
• Demonstrates a proactive, can-do attitude and a commitment to delivering work above bare minimum standards.

Job Perks You'll Enjoy

• Hybrid work set-up
• Permanent dayshift schedule
• Up to 20% variable performance-based bonus
• HMO on Day 1 / HMO with dependents
• Access to mental health coverage and wellness partners
• Wellness Leave and Birthday Leave benefits
• Internal Career Mobility
• Opportunity to work and train in our international offices

Empower Filipinos with innovative financial solutions at Home Credit Philippines.

At Home Credit Philippines, we believe that everyone has something special to offer. Our motto "No Small Roles, Everyone is Important" is at the heart of everything we do. We think diversity makes our company better and every single job and person here plays a big part in our success.

We’re all about creating a welcoming place where everyone feels valued for who they are. This means we make sure that everyone, no matter their background or what they look like, gets a fair chance at jobs, training, and promotions.

When it comes to hiring, everyone gets a fair look. It doesn’t matter where you’re from, what you believe, who you love, whether you have a disability, or any other or any other condition protected under Philippine laws. If you meet the job requirements, you have a chance to get the job.

Come join us at Home Credit, where diversity fuels our innovation. Here, there are #NoSmallRoles and #EveryoneisImportant.