Management Associate

ProCredit Financing Corp; Philippines; On-site; PHP 550,000 - 750,000; Full time

Benefits offered by this job

Above-market compensation

Clear path to leadership

Fast-moving fintech culture

Job summary

ProCredit Financing Corp is seeking a Management Associate in Credit & Credit Operations in the Philippines. The role offers a structured on-the-job training under seasoned managers, with exposure to SME lending decisions from intake to approval and a clear path to leadership based on performance.

You will validate documents, coordinate with clients, and support senior teams to ensure timely and accurate credit submissions in a fast-moving fintech environment.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Accounting experience is a plus.
• SME financial analysis experience is helpful but not required.
• Familiarity with banking products and lending systems is advantageous.
• Strong analytical skills and ability to interpret financial data.

Responsibilities

• Support senior managers across the full credit process from onboarding to approval readiness.
• Ensure all credit-related documents are complete, accurate, and suitable for review.
• Organize, maintain, and update credit files for audit readiness.
• Coordinate with clients and relationship managers to obtain missing documents.
• Assist in data validation and due diligence as part of credit operations.

Skills

Analytical skills

Attention to detail

Organizational skills

Communication skills

Financial modeling

Credit risk concepts

Independent work

Education

Bachelor's degree in Finance/Accounting/Economics

Job description

MANAGEMENT ASSOCIATE - CREDIT & CREDIT OPERATIONS

About Us

ProCredit is a tech-enabled SME lender led by a very seasoned team with over 50 years of combined experience at Citigroup, Standard Chartered, ANZ, and ADB—deeply rooted in emerging markets and SME lending. We're on a mission to become the leading SME lender in the Philippines, using credit-first engagement, data-driven underwriting, and flexible, risk-based lending to close the credit gap for growing businesses. We pay above market, value ambition, and offer fast-moving paths to leadership positions for those hungry to make an impact. If you're driven, growth-minded, and ready to help reshape the future of Philippine lending—this is your moment.

The Role

As a Management Associate – Credit & Credit Operations, you will undergo a structured on-the-job training program under the guidance of seasoned senior managers during your probationary period. You will be immersed in various credit and credit operations functions, gaining hands-on exposure to how SME lending decisions are supported from intake to approval.

This role is designed for high-potential individuals who are detail-oriented, client-facing, and eager to learn the fundamentals of credit support, documentation management, and internal coordination. You will play a key role in ensuring that client submissions, credit documentation, and internal requirements are complete, accurate, and properly validated to support timely and well-informed lending decisions.

Core Proficiency

• Strong ability to review, validate, and assess financial and business documents such as financial statements, bank records, and supporting schedules for completeness and consistency.
• High attention to detail in data verification, document checking, and accuracy control across multiple sources of client information.
• Capability to collect, follow up, organize, and cleanse documentation required for credit and operational review.
• Comfort in client-facing coordination, including requesting information, clarifying discrepancies, and ensuring timely submission of requirements.
• Ability to assess qualitative and quantitative information (business background, transaction history, industry context) to support internal credit documentation.
• Strong organizational skills to manage multiple files, deadlines, and stakeholder requests in a fast-paced environment.

Responsibilities:

• Support senior managers across the full credit process, from client onboarding and document intake to internal submission and approval readiness.
• Ensure all credit-related documents are complete, accurate, well-structured, and suitable for senior management and committee review.
• Organize, maintain, and update credit files to ensure proper documentation control, version accuracy, and audit readiness.

Data Validation and Due Diligence

• Validate the accuracy and consistency of financial inputs and supporting documents across multiple sources.
• Conduct quantitative and qualitative due diligence by cross-verifying disclosed information against in-house records, bank statements, and other supporting documentation.
• Triangulate reported revenues and collections by reconciling disclosures against in-house financial statements, bank statements, and loan portfolio data (for financial companies).
• Verify disclosed cash balances by cross-checking in-house financial statements with actual bank statement balances.
• Validate disclosed loans and liabilities by identifying large or unusual transactions in bank statements and reconciling them with declared loan information.
• Identify, document, and escalation material discrepancies exceeding 3% between audited financial statements and in-house records, ensuring proper cross-referencing and clear documentation for review.

Stakeholder & Client Coordination

• Act as a key coordination point between clients, relationship managers, and internal credit teams to follow up on documentation requirements and resolve data gaps.
• Communicate clearly with clients to explain documentation needs, request clarifications, and ensure timely submission of complete requirements.

Credit Operations & Process Support

• Support credit operations by tracking application progress, managing documentation timelines, and ensuring files are ready for internal review and approval.
• Assist in preparing internal credit packs, summaries, and supporting schedules for senior management and credit committee review.

Learning & Development

• Gain hands-on exposure to SME lending operations, internal credit workflows, and documentation standards within a fast-scaling fintech environment.
• Build a strong operational foundation with a structured development path toward more senior roles in credit, credit operations, or leadership based on performance.

Requirements:

• Strong willingness to learn, can-do attitude.
• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Experience in accounting is a plus.
• Previous experience in conducting financial analysis of SMEs, particularly in functions such as FP&A, credit strategy, and investments, is considered a plus but not required.
• Familiarity with banking products and lending systems, as well as established relationships within the lending units of financial institutions, is a strong advantage
• Strong analytical skills with the ability to interpret financial data effectively.
• Proficiency in financial modeling and understanding of credit risk concepts.
• Excellent attention to detail and strong organizational skills.
• Effective communication skills, both written and verbal, to liaise with clients and team members.
• Ability to work independently as well as part of a collaborative team environment.

Why Join Us?

• Above-market compensation with performance incentives.
• Work with a high-caliber team in a mission-driven company.
• Shape the credit culture and standards of a fast-growing fintech.
• Clear path to leadership roles as the business scales.