Credit Risk Analyst: Portfolio Insights & Reporting

WHR Global Consulting; Taguig; On-site; PHP 1,004,000 - 1,339,000; Full time

Benefits offered by this job

Rice Allowance

Job summary

WHR Global Consulting is seeking a Credit Risk Analyst to monitor lending portfolios, analyze risk, and produce management information for senior leaders. You will develop reports, dashboards, and analyses across products, segments, and geographies, supporting underwriting strategies and portfolio initiatives.

Ideal candidates have 3–5 years in consumer or SME lending with credit policy knowledge and Basel III/IV expertise, plus strong data and reporting skills using SQL and MS Office.

Qualifications

• Bachelor's degree in Finance, Economics, Business, or related field.
• 3–5 years in consumer and/or SME lending with focus on credit policy/governance.
• Experience in digital lending and/or scorecard underwriting is an advantage.
• Knowledge of Basel III/IV and IFRS9 requirements.
• Strong knowledge of credit underwriting principles.
• Experience drafting and maintaining credit policies and procedures.
• Proficiency in MS Office and policy documentation.
• Understanding of credit approval processes and delegated authority.
• Basic SQL or reporting skills.

Responsibilities

• Monitor portfolio performance using credit risk indicators and monitoring metrics.
• Analyze portfolio trends by product, segment, geography, channel, and industry.
• Conduct vintage, cohort, roll rate, flow rate, delinquency, and collections analyses.
• Prepare accurate portfolio reports, dashboards, and management information for senior leaders.
• Collaborate with Risk, Credit Operations, Finance, and Technology teams.
• Develop recurring portfolio reports and dashboards with BI tools.
• Validate data from multiple sources to ensure accuracy of reports.
• Identify data quality issues and recommend automation opportunities.

Skills

Credit risk analytics

Data extraction & validation

BI reporting & dashboards

MS Office proficiency

SQL basics

Policy writing & documentation

Education

Bachelor's degree in Finance / Economics / Banking

Tools

SQL

Job description

WHR Global Consulting is seeking a Credit Risk Analyst to monitor lending portfolios, analyze risk, and produce management information for senior leaders. You will develop reports, dashboards, and analyses across products, segments, and geographies, supporting underwriting strategies and portfolio initiatives.

Ideal candidates have 3–5 years in consumer or SME lending with credit policy knowledge and Basel III/IV expertise, plus strong data and reporting skills using SQL and MS Office.