Portfolio Risk Analyst

Globe Telecom, Inc.; Caloocan; On-site; PHP 600,000 - 900,000; Full time

Job summary

GCash, the nation’s leading fintech app, seeks a data-driven analyst to review loan portfolios, design credit policy analyses, and produce reports that inform risk management decisions. You will collaborate with product, collections, and finance teams to maintain portfolio quality and drive business outcomes.

Ideal candidates bring strong SQL/Python skills and a degree in a quantitative field, with a focus on data management and risk analytics.

Qualifications

• Bachelor's degree in Mathematics, Statistics, Economics, Physics, Finance, or a related quantitative field.
• Strong technical skills in SQL, Python, and data management/analytics tools.
• Solid knowledge of Credit Risk, Collections principles, and data-driven decision frameworks.

Responsibilities

• Review loan portfolio & model quality consistently.
• Plan, oversee & maintain reports and dashboards to support reviews.
• Design & conduct analyses for credit policy development on eligibility, profitability, losses & write-offs, fraud.
• Document policies for management notification & approval and ensure implementation of approved policies.
• Prepare financial projections, sensitivity analysis, and stress testing on the loan portfolio.
• Identify and escalate risks as needed.
• Interface with business/product, collections, finance, & modelling teams to drive key decisions.

Skills

SQL

Python

Data analytics

Credit risk

Education

Bachelor's degree in a quantitative field

Job description

Do you want to take the first step in making Filipinos’ lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation! G ka ba? Join the G Nation today!

Overall Duties and Responsibilities

Does (The tasks / responsibilities that the role performs to address requirements in Key Result Areas)

Review loan portfolio & model quality consistently. Plan, oversee & maintain reports and dashboards to support said reviews. Design & conduct analyses/investigations for credit policy development on matters such as: eligibility, line management, profitability, losses & write-offs, potential fraud. Document policies for management notification & approval and ensure implementation of approved policies. Prepare financial projections, sensitivity analysis, and stress testing on the portfolio of the loan product assigned. Proactively identify and escalation risks, as needed. Interface with business/product, collections, finance, & modelling teams, as well as management & partners to drive key decisions

Displays

Knowledge of credit risk and collections principles and data analytics to influence data driven decisions in managing portfolio quality Advance SQL and data management skills Adept in Python for modeling and automation

Delivers

Identify potential issues in the portfolio and engage necessary parties to minimize impact Recommend strategies/actions to support business goals while ensuring portfolio quality is maintained Generate credit risk and collections reports to monitor portfolio quality Interpret reports and recommend actions to improve portfolio quality Automate reports and processes Perform ad hoc analysis as required

Qualifications & Requirements

• Bachelor's degree in Mathematics, Statistics, Economics, Physics, Finance, or a related quantitative field.
• Strong technical skills in SQL, Python, and data management/analytics tools.
• Solid knowledge of Credit Risk, Collections principles, and data-driven decision frameworks.

What We Offer

Opportunity for career growth and development in the #1 FinTech company in the country Working with a dynamic and highly collaborative team who want to change the game A company that values their people with highly competitive and flexible compensation and benefits package is the #1 Finance App in the Philippines.

Through the GCash App, 81M registered users can easily purchase prepaid airtime; purchase from over 6M partner merchants and social sellers; send and receive money anywhere in the Philippines, even to other bank accounts; pay bills at over 1,800 partner billers nationwide; and get access to savings, credit, loans, insurance and investments, and so much more, all at the convenience of their smartphones.

GCash is a wholly-owned subsidiary of Mynt (Globe Fintech Innovations, Inc.) since 2015. Mynt, Inc. is the parent company of GCash, the Philippines’ #1 finance superapp, advancing financial inclusion through ‘Finance for All’. G-Xchange, Inc. (GXI) is the payments company for GCash. GXI is a BSP-licensed e-money issuer responsible for the digital payments and electronic money activities in the GCash app. Fuse Financing, Inc. is the financing company for GCash. Fuse provides eligible users with access to fair and digitally-enabled credit products and solutions. Ryse, Inc. broadens access to investments that are easy to use and understand, supporting wealth-building for Filipinos at different stages of their financial journey. BlockG Virtual Assets, Inc. supports responsible participation in digital assets, helping build trust and long-term confidence in the continuously evolving digital landscape.