Credit Analyst

Hyred; Manila; On-site; PHP 1,772,002 - 2,953,337; Full time

Job summary

A mission-driven fintech platform is seeking a Credit Analyst to enhance their credit strategy in Manila. The role involves making informed credit recommendations through careful analysis of financial statements and borrower evaluations. Ideal candidates should have 2-5 years of relevant experience and excellent communication skills. SQL and Python knowledge is preferred. This position offers significant career growth towards senior leadership roles as the company scales.

Qualifications

• 2-5 years in credit risk analysis, financial analysis, or SME lending.
• Strong financial statement analysis skills (P&L, balance sheet, cashflow).
• Excellent written and spoken English.

Responsibilities

• Central to credit decision-making in the Philippines.
• Refine and shape the credit evaluation process.
• Collaborate with global credit leadership.

Skills

Credit risk analysis

Financial analysis

SME lending

Strong communication

Tools

SQL

Python

Job description

About Our Client

Our client is a mission-driven fintech platform providing flexible financing to small businesses in emerging markets. They use technology to make it faster, cheaper, and easier for entrepreneurs to access the capital they need to grow. Their first product is invoice financing, with a focus on the Philippines.

They're scaling rapidly and are looking for a sharp, curious, and creative Credit Analyst to help shape and scale their credit strategy in the Philippines.

Must-Have Skills & Experience

2-5 years in credit risk analysis, financial analysis, or SME lending

• Strong financial statement analysis skills (P&L, balance sheet, cashflow)
• Ability to own borrower evaluations end-to-end and make sound credit recommendations
• Curious, proactive problem-solver who can ask the right questions to uncover key risks

Excellent written and spoken English

Comfortable working independently in a fast-paced environment

Preferred

SQL/Python skills to pull and analyse data for underwriting

Experience in fintech, alternative lending, or commercial banking

Familiarity with credit scoring models/statistical analysis

• Analytical thinker who can adapt framework rules to real-world borrower scenarios
• Investigative mindset digs beyond surface-level information to uncover the true credit story
• Process-oriented but always looking for ways to improve how underwriting is approached
• Strong communicator who can work closely with sales/ops while driving borrower conversations directly

Role Highlights

Central to credit decision-making in the Philippines

Opportunity to refine and shape the credit evaluation process

Collaborates with global credit leadership while owning PH evaluations

Career growth path into senior credit leadership as the company scales