Commercial Finance Analyst

Home Credit Philippines; Taguig; Hybrid; PHP 391,000 - 781,000; Full time

Benefits offered by this job

Hybrid work

Permanent dayshift

Up to 20% bonus

HMO from Day 1

Mental health coverage

Wellness leave & birthday leave

Internal career mobility

Training in international offices

Job summary

Home Credit Philippines is seeking a Commercial Finance Analyst to prepare profitability reports for key products and assist in developing lifetime profitability models. You will work closely with Product Heads, Risk analysts, and senior management to support profitability targets and KPI achievement.

The role involves creating LTP models, benchmarking against competitors, and supporting digitization efforts in reporting. A strong analytical mindset and Excel expertise are essential for success.

Qualifications

• 1-3 years+ of experience in a finance, commercial, or business analyst role.
• Familiar with personal/consumer loans and/or Credit Cards.
• Advanced proficiency in Microsoft Excel.

Responsibilities

• Prepare monthly profitability reports for main products (POS loans, Cash Loans, Revolving Loans, Value-added services).
• Act as primary finance contact for initiatives related to assigned product.
• Create lifetime profitability (LTP) models for business units/streams as needed.
• Maintain high integrity in reports; ensure LTPs are accurate, reliable, and timely.
• Benchmark HCPH products against competition and suggest modifications.
• Support the commercial finance manager in digitization efforts around LTP reporting.

Skills

Analytical thinking

Problem solving

Attention to detail

Proactive attitude

Tools

Microsoft Excel

Job description

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
• Act 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

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.