Finance Data Analyst (ECL)

Maya; Metro Manila; On-site; PHP 1,000,000 - 1,500,000; Full time

Job summary

A leading financial services company in the Philippines is seeking a skilled individual to support the development and maintenance of ECL models under IFRS 9 / PFRS 9. The ideal candidate will have a strong background in credit risk, including at least 2 years of relevant experience, alongside solid analytical skills in tools such as SAS, Python, or SQL. This position offers opportunities for collaboration with cross-functional teams and the chance to contribute to regulatory compliance efforts.

Qualifications

• 2+ years of experience in credit risk, impairment/ECL support, or provisioning in a bank, fintech, or consulting.
• Good understanding of IFRS 9 / PFRS 9 ECL framework and related concepts.
• Strong communication and presentation skills necessary.

Responsibilities

• Support development and maintenance of ECL models under IFRS 9 / PFRS 9.
• Help calibrate and validate models with documentation of results.
• Ensure regulatory compliance by preparing documentation and supporting audits.
• Reconciling ECL outputs with Finance and Accounting teams.

Skills

Statistical analysis

Credit risk assessment

Communication skills

Excel proficiency

Model validation

Education

Bachelor's or Master's degree in Statistics, Economics, Finance, Mathematics

Tools

SAS

Python

R

SQL

Job description

Responsibilities

• Support the development and maintenance of ECL models under IFRS 9 / PFRS 9 (PD, LGD, EAD) across multiple portfolios (credit cards, personal loans etc.) under the guidance of senior staff.
• Help calibrate and validate models using internal and external data, documenting assumptions, methodologies, and validation results.
• Ensure regulatory compliance with BSP circulars and PFRS 9 guidelines by preparing documentation and supporting internal and external audits.
• Reconcile ECL outputs with Finance and Accounting teams and assist in providing explanations on drivers of change.
• Work with Credit, Collections, and Finance teams to incorporate business strategies into impairment forecasts.
• Prepare draft reports and presentations of ECL results and recommendations for senior management and committees (CreCom, Board).
• Maintain model governance documentation (model risk, version control, sign-offs).

Qualifications

• Bachelor’s or Master’s degree in Statistics, Economics, Finance, Mathematics, or related field.
• 2+ years’ experience in credit risk, impairment/ECL support, or provisioning in a bank, fintech, or consulting environment.
• Good understanding of IFRS 9 / PFRS 9 ECL framework, including staging, PD/LGD/EAD concepts, forward-looking overlays, and macroeconomic scenarios (willingness to deepen expertise is key).
• Familiarity with BSP regulations, Philippine credit environment, and consumer lending portfolios is an advantage.
• Proficiency in Excel; working knowledge of analytics tools (SAS, Python, R, SQL) for data analysis is a plus.
• Strong communication and presentation skills; ability to explain findings clearly and work with cross-functional teams.
• Exposure to digital banks or fintechs, stress-testing frameworks, model validation, credit policy; CPA or CFA certification (or progress) is an advantage but not required.