Portfolio Risk Analyst

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

Job summary

GCash, a leading Philippine FinTech, seeks a data-driven analyst to review loan portfolios and develop credit risk insights. You will use SQL, Python, and data analytics tools to model portfolio quality and support policy decisions.

Join a collaborative team focused on risk management, reporting, and automation of dashboards and analyses to drive business goals while maintaining portfolio integrity.

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 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 escalating risks, as needed.
• Interface with business/product, collections, finance, & modelling teams, as well as management & partners to drive key decisions

Skills

SQL

Python

Data analytics

Credit risk knowledge

Collections principles

Education

Bachelor's degree in quantitative field

Tools

Data management tools

Job description

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

• 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 escalating risks, as needed.
• Interface with business/product, collections, finance, & modelling teams, as well as management & partners to drive key decisions

Displays

The Knowledge, Skills, and Behaviors indicating how tasks / responsibilities will be performed

• 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

Specific outputs / tangible results produced by the role; resources responsible for

• 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