Credit Risk & Analytics Assistant Manager / Manager

Maybright Asia Pacific Pte Ltd; Philippines; On-site; PHP 800,000 - 1,800,000; Full time

Job summary

Maybright Asia Pacific Pte Ltd is hiring a Credit Risk & Underwriting Lead to evaluate credit applications, develop scorecards, and monitor portfolio health in a fast-growing fintech environment.

The role requires 3–5 years in credit risk, analytics, or risk management within digital lending or NBFCs, with team leadership exposure and strong SQL/Python skills. Remote-friendly, data-driven, and outcome-focused, you will collaborate with product and technology teams.

Qualifications

• Minimum 3–5 years in Credit Risk, Underwriting, Credit Analytics or Risk Mgmt in fintech/digital lending/NBFCs.
• Experience making credit approval decisions for unsecured lending is preferred.
• Mentoring a small underwriting/analytics team is a plus.
• Exposure to early-stage fintech or high-growth environments is desirable.
• Degrees in Finance, Economics, Statistics, Mathematics, Engineering, Data Analytics or CS.
• Advanced Excel/Google Sheets proficiency.
• Strong financial and quantitative analysis and credit scoring knowledge.
• Familiarity with ML concepts and AI tools.

Responsibilities

• Evaluate and approve credit applications within delegated limits.
• Build and refine underwriting scorecards with internal/external data.
• Monitor portfolio health and identify emerging risks.
• Perform data analysis to improve decisions and portfolio performance.
• Develop dashboards tracking key metrics and scorecard performance.
• Lead and coach junior analysts; drive SOPs and process improvements.

Skills

Credit risk

Underwriting

Data analysis

Team leadership

SQL

Python

Looker Studio

AI tools

Fintech domain knowledge

Education

Bachelor's or Master's in Finance/Economics/Statistics

Tools

SQL

Python

Looker Studio

Excel

Job description

Role & responsibilities

1. Credit Decisioning & Underwriting:

• Evaluate and approve credit applications within delegated authority limits.
• Make independent credit decisions balancing portfolio quality and business growth.
• Assess complex borrower profiles using bureau reports, repayment capacity, banking behavior, and alternative data.
• Review policy exceptions and provide structured approval recommendations with appropriate mitigants.
• Continuously improve underwriting quality through post-disbursement learning.

2. Credit Analytics & Scorecard Development:

• Build and continuously refine underwriting scorecards using internal and external data.
• Perform borrower segmentation based on repayment behavior, affordability, bureau history, and digital lending exposure.
• Develop credit cut-offs and approval matrices using portfolio insights.
• Conduct feature analysis and validate variables contributing to portfolio performance.
• Regularly back-test scorecards and recommend policy enhancements.

3. Portfolio Analytics & Risk Monitoring:

• Monitor portfolio health through key credit metrics and identify emerging risks by analyzing: Approval quality, DPD movements, Vintage performance, Cohort analysis, Roll-rate migration, and Risk segmentation.
• Build early warning indicators and recommend corrective actions before deterioration occurs.
• Support monthly portfolio reviews and risk committee reporting.

4. Data Analysis & Decision Support:

• Perform detailed data analysis to improve underwriting decisions and portfolio performance.
• Build dashboards and reports tracking: Approval trends, Conversion rates, Portfolio quality, Credit productivity, and Scorecard performance.
• Work closely with Data and Product teams to improve data capture and decision engine capabilities.
• Ensure data integrity across credit reporting.

5. Team Leadership & Operational Excellence:

• Lead, coach, and review the work of junior credit analysts.
• Ensure consistency and quality in underwriting decisions across the team.
• Conduct regular calibration sessions to strengthen credit judgment.
• Build structured SOPs and underwriting playbooks.
• Drive productivity, accountability, and continuous improvement within the credit team.

6. Cross-Functional Collaboration:

• Work closely with: 1. Product, 2. Data, 3. Technology, 4. Digital Sales, 5. Collections, 6. Financial Literacy to continuously improve underwriting logic, customer experience, and portfolio performance.
• Translate portfolio insights into practical improvements in product design, pricing, eligibility criteria, and credit policies.

Preferred candidate profile

1. Must have minimum 3 to 5 years of experience in Credit Risk, Underwriting, Credit Analytics, or Risk Management within fintech, digital lending, consumer finance, or NBFCs from a reputed college.
2. Prior experience making credit approval decisions for unsecured lending products.
3. Experience managing or mentoring a small underwriting or analytics team is preferred.
4. Exposure to early-stage fintech (0 to 10) or high-growth environments is mandatory.
5. Bachelor's/Masters degree in Finance, Economics, Statistics, Mathematics, Engineering, Data Analytics, Computer Science.
6. Advanced Microsoft Excel / Google Sheets (10/10).
7. Strong financial and quantitative analysis.
8. Scorecard interpretation.
9. Credit scoring methodologies.
10. Basic machine learning concepts.
11. Google Looker Studio.
12. Strong knowledge on Application of AI tools (Claude & GPT).
13. SQL and Python.