Credit Risk Analytics Specialist

Mynt; Metro Manila; On-site; PHP 600,000 - 1,200,000; Full time

Job summary

GCash in the Philippines invites you to join a dynamic credit risk team focused on acquisition, data analytics, and portfolio monitoring. You will shape credit policies, analyze borrower data, and support decision-making with rigorous risk modeling.

Collaborate with Product, Tech, and Sales to streamline loan processes, automate risk reporting, and deliver insights that drive growth. A competitive fintech environment awaits with opportunities for career development and impact.

Qualifications

• Analyze creditworthiness of potential eligible base (EB) using various data sources, and internal scoring models.
• Develop acquisition credit risk strategies and eligibility policies.
• Monitor the effectiveness of current credit strategies and recommend adjustments based on portfolio performance, market trends, and risk appetite.
• Utilize statistical analysis and modeling techniques to enhance risk segmentation and decision-making.
• Collect, analyze, and interpret large datasets related to loan originations, and early portfolio performance.
• Develop and maintain regular reports on KRIs, EBs and disbursements, take up rates, and other relevant metrics.
• Present findings and recommendations to senior management and other stakeholders in a clear and concise manner.
• Monitor the credit quality of newly originated loans and identify emerging risk trends.
• Collaborate with collections and portfolio management teams to understand the impact of acquisition strategies on downstream performance.
• Work closely with cross-functional teams, including Products, Tech, and Sales, to optimize the loan processes and enhance risk management capabilities.
• Identify opportunities for process improvements and automation within the credit risk function.
• Participate in ad-hoc projects and initiatives related to credit risk management.

Responsibilities

• Analyze and monitor credit risk across acquisition channels.
• Develop credit risk policies and improvement initiatives.
• Produce KRIs and performance reports for senior management.
• Collaborate with Product, Tech, and Sales to optimize loan processes.

Skills

Credit risk

Data analysis

Risk modeling

Cross-functional collaboration

Tools

SQL

Job description

GCash in the Philippines invites you to join a dynamic credit risk team focused on acquisition, data analytics, and portfolio monitoring. You will shape credit policies, analyze borrower data, and support decision-making with rigorous risk modeling.

Collaborate with Product, Tech, and Sales to streamline loan processes, automate risk reporting, and deliver insights that drive growth. A competitive fintech environment awaits with opportunities for career development and impact.