Risk Operations Analyst - Business Fresh Graduates 2025 & 2026

First Circle; Philippines; Hybrid; PHP 279,000 - 312,000; Full time

Benefits offered by this job

HMO coverage from week one

Life and accidental insurance

Free catered lunches

Monthly fitness allowance

Transportation allowance

Accommodation allowance

Job summary

First Circle is a fast-growing FinTech in the Philippines offering financial services to underserved SMEs and is building a full-stack neobank with multi-currency accounts, payments, FX, and more.

As a Risk Operations Analyst, you will evaluate SME loan applications, assess creditworthiness, and support risk management. The role combines analysis, collaboration, and decisioning in a hybrid work setup with benefits.

Qualifications

• Fresh graduate or up to 1 year of experience.
• Bachelor’s degree in Business, Finance, Accounting, Economics, or related field.
• Strong analytical and problem-solving skills.
• Excellent communication and attention to detail.
• Proficient in Microsoft Excel and MS Office.

Responsibilities

• Evaluate SME loan applicants' creditworthiness using financial data.
• Assess borrower risk profiles and overall financial strength.
• Conduct due diligence to ensure regulatory and credit standards compliance.
• Collaborate with cross-functional teams to build borrower understanding.
• Prepare credit recommendations and monitor loan portfolios.

Skills

Credit evaluation

Risk assessment

Due diligence

Collaboration

Credit decisioning

Analytical thinking

Communication

Excel proficiency

Education

Bachelor’s degree

Tools

Microsoft Excel

Job description

First Circle is one of the fastest-growing FinTech companies in the country, providing financial services to under-served SMEs. We’ve already transformed access to credit for thousands of businesses, and now we’re building a full-stack neobank offering multi-currency bank accounts, payments, FX, corporate credit cards, and payroll. As we enter this next phase of growth, we’re hiring exceptional talent with a track record of excellence to join us in shaping the next chapter.

As a Risk Operations Analyst, you will play a critical role in evaluating creditworthiness and assessing the risk profile of small and medium-sized enterprises (SMEs) applying for loans. You will have the opportunity to learn and apply industry best practices in credit analysis and risk management, working alongside experienced professionals who have revolutionized SME lending in the digital age.

Responsibilities

• Credit Evaluation:Evaluate SME loan applicants’ creditworthiness using financial statements, credit reports, and other relevant data.

• Risk Assessment:Assess borrower risk profiles by identifying key risks, mitigating factors, and overall financial strength.

• Due Diligence & Compliance:Conduct due diligence to ensure compliance with regulatory requirements, company policies, and credit standards.

• Cross-Functional Collaboration:Work with cross-functional teams to gather information and build a full understanding of borrowers’ businesses and financial positions.

• Credit Decisioning & Portfolio Monitoring:Prepare credit recommendations, maintain accurate loan records, monitor existing borrowers, and help improve underwriting processes and systems.

• Relevant Experience:Preferably a fresh graduate or with maximum 1 year of experience.

• Educational Background:Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field.

• Analytical & Problem-Solving Skills:Strong analytical and problem-solving skills, with the ability to interpret financial statements, assess creditworthiness, and make sound decisions.

• Communication & Work Style:Excellent communication and interpersonal skills, with strong attention to detail and the ability to work collaboratively, independently, and under tight deadlines in a fast-paced environment.

• Technical Proficiency & Growth Mindset:Proficient in Microsoft Excel and other MS Office applications, with a strong desire to learn and build a career in credit underwriting and risk assessment.

• Salary: PHP 25,000-28,000 monthly gross

• Hybrid work set-up:2 days per week in our BGC office; remote the rest of the time.

• Benefits: HMO coverage from week one, life and accidental insurance, free catered lunches, monthly fitness, transportation, and accommodation allowance, and more.

• Join a team with a deeply collaborative culture!Learn more here: https://www.firstcircle.ph/careers