QA & Compliance Analyst | Onsite | Ortigas | Night Shift | Weekends Off

Emapta; Mandaluyong; On-site; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Day 1 HMO coverage with free dependent

Night differential pay

Weekends off

Office in Ortigas

Salary Advance Program

Emapta Academy upskilling

Office gyms access

Job summary

Emapta is hiring a QA & Compliance Analyst to examine lending files, servicing activity, and communications for risk mitigation across a U.S. lender. You will strengthen controls, protect customers, and support global operations.

The role requires US business hours overlap and deep knowledge of consumer finance regulations. Join a growth-focused team at Emapta in Ortigas, with opportunities to mentor peers, access Academy training, and advance within a fast-paced environment.

Qualifications

• 4+ years in quality assurance, quality control, internal audit, operational risk, or compliance monitoring, including at least 2 years in U.S. consumer lending, banking, credit cards, mortgages, buy-now-pay-later, or third-party collections.

Responsibilities

• Audit completed applications and underwriting decisions against credit policy, including identity, income, and employment verification.
• Audit servicing transactions for accuracy, including payment postings, debits, fees, refunds, and modifications.
• Audit collection activity: promises to pay, contact timing, settlements, and notes accuracy.
• Review servicing, collections, and inbound/outbound communications for disclosures, tone, and compliance.
• Lead calibration sessions and provide quality data to managers for coaching.
• Identify control gaps and recommend preventive actions.

Skills

Quality assurance

Quality control

Internal audit

Operational risk

US consumer lending

Audit transactions

English proficiency

Analytical thinking

Independence

Tools

Oscilar

Five9

Notion

Loan management systems

Job description

Set a Higher Quality Standard in Consumer Lending

Quality in consumer finance shapes decisions and customer interactions. As a QA & Compliance Analyst, you will examine lending files, servicing activity, and communications to identify risks and strengthen controls. Your findings will help protect customers and improve operations across a U.S. lender. Build a long-term global career with Emapta, where top 1% talent earns impact and room to grow.

Snapshot

• Employment Type: Full-time
• Work Setup: Onsite, Ortigas
• Shift: Night Shift, Weekends Off (Subject to account needs)

Benefits

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Weekends off
• Prime office location in Ortigas (Easy access to MRT stations, restaurants, and banks)
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit: https://emapta.com/training-calendar/)
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer!
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more!)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

Qualifications

Required

• At least 4 years of experience in quality assurance, quality control, internal audit, operational risk, or compliance monitoring, including at least 2 years in U.S. consumer lending, banking, credit cards, mortgages, buy-now-pay-later, or third-party collections
• Demonstrated experience auditing transactions, documents, calls, and written communications; contact-center call scoring alone is insufficient
• Working knowledge of U.S. consumer finance requirements as they apply to daily operations, including ECOA and Regulation B, adverse action, UDAAP, FDCPA-style collection standards, Regulation E and ACH authorization, TILA disclosures, FCRA, GLBA privacy, and TCPA
• Ability to identify potential compliance issues and elevate them appropriately
• Excellent written and spoken English, including the ability to prepare clear findings for U.S. managers, state examiners, and bank partner auditors
• Strong analytical reasoning, professional skepticism, discretion, and ability to work independently
• Availability to work U.S. business hours with substantial overlap with U.S. Eastern time

Preferred

• Experience working for a lender subject to state examinations or bank partner audits
• Familiarity with decisioning platforms such as Oscilar, contact-center platforms such as Five9, loan management systems, and documentation tools such as Notion
• Participation in a regulatory examination, internal audit, or sponsor bank review
• CIA, CRCM, CAMS, COPC, or Six Sigma Green Belt certification
• Experience building a QA program from the ground up

Responsibilities

Transaction and File Audits

• Audit completed applications and underwriting decisions against credit policy, including identity, income, and employment verification; bank transaction reviews; affordability assessments; fraud-flag clearance; stipulations; and documented decision rationale.
• Audit every policy exception and manual override for documented authority, sound reasoning, and consistent treatment of comparable files.
• Audit servicing transactions, including payment posting, auto-debit setup and retries, reversals, fee assessments and waivers, refunds, due-date changes, payoff quotes, and loan modifications, for accuracy, authorization, and correct system entry.
• Audit collection account activity, including promises to pay, contact frequency and timing, settlement and hardship arrangements, and the accuracy of account notes.

Communications and Call Monitoring

• Review recorded servicing, collections, and inbound support calls for accurate information, required disclosures, permissible contact practices, third-party disclosures, appropriate tone, and the handling of customers in financial distress.
• Review inbound and outbound email, chat, and SMS conversations against the same standards, with particular attention to commitments made in writing.
• Apply elevated review rates to contacts involving disputed charges, requests to stop contact, revoked ACH authorization, hardship, bankruptcy, military service, identity theft, regulators, or customer dissatisfaction.

Process Conformance Audits

• Select 1 documented process each month and test whether it is followed as written, from end to end and across the team.
• Identify gaps between written policy and actual practice, determine whether the procedure or its execution needs to change, and explain why.
• Test system settings, queue routing, decision rules, and letter and message templates where they affect customer outcomes.

Findings, Reporting, and Root Cause

• Log each finding with the observation, specific evidence, applicable policy or requirement, customer or financial impact, probable root cause, and recommended corrective action.
• Distinguish isolated human error from recurring process, training, or system defects.
• Produce weekly findings summaries and monthly scorecards and trend reports, and elevate critical findings promptly in writing.
• Track corrective actions through completion and retest them to confirm that the fixes remain effective.

Calibration and Coaching Support

• Lead weekly calibration sessions with the servicing and underwriting managers, comparing independently scored samples to establish a shared standard.
• Provide managers with individual and team quality data to support their coaching and performance discussions.
• Maintain and version scorecards as policies, products, and state requirements change.

Control Improvement

• Recommend preventive controls, including checklist changes, system validations, required fields, approval thresholds, queue rules, and template corrections.
• Prioritize and promptly elevate template and system defects that could affect multiple customers.

About the Client

Our client is a U.S. consumer finance company expanding access to credit for people underserved by traditional lenders. Through a secure online platform, it offers installment loans with an emphasis on responsive service, clear information, and respectful support throughout the borrowing journey. Its commitment to speed and integrity has helped it serve customers across multiple states while refining the way lending decisions and customer interactions are handled. Join a team where oversight helps make financial services more accessible and accountable.

Join the Top 1% Talent. A better career. A better life.

Welcome to Emapta Philippines: home to professionals who choose growth, balance, and impact. Recognized as one of HR Asia's Best Companies to Work For in Asia 2025 and winner of Inspiring Workplaces Australasia 2026, Emapta offers more than opportunities -- it provides a career environment where people thrive. Collaborate with global teams, build meaningful expertise, and grow in a culture that prioritizes both performance and well-being.