Risk Ops Analyst - Hybrid SME Credit Underwriting

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

Benefits offered by this job

Hybrid work setup

HMO from week one

Life and accidental insurance

Free catered lunches

Wellness allowance

Transport & accommodation allowance

Job summary

First Circle is a fast-growing FinTech offering multi-faceted services to SMEs. The Risk Operations Analyst will evaluate creditworthiness and assess risk for SME loan applicants, working with seasoned professionals to improve underwriting processes.

Responsibilities include credit evaluation, risk assessment, due diligence, cross-functional collaboration, and portfolio monitoring with a focus on regulatory compliance and accurate loan records.

Qualifications

• Fresh graduate or up to 1 year of experience.
• Bachelor’s degree in a related field.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Proficient in Microsoft Excel and MS Office; growth mindset.

Responsibilities

• Evaluate SME loan applicants’ creditworthiness using financial statements, credit reports, and other data.
• Assess borrower risk profiles by identifying key risks and financial strength.
• Conduct due diligence to ensure regulatory compliance and credit standards.
• Collaborate with cross-functional teams to understand borrowers’ businesses and finances.
• Prepare credit recommendations and monitor existing borrowers; help improve underwriting processes.

Skills

Analytical skills

Problem-solving

Communication skills

Attention to detail

Education

Bachelor’s degree in Business/Finance/Accounting/Economics

Tools

Microsoft Excel

Job description

First Circle is a fast-growing FinTech offering multi-faceted services to SMEs. The Risk Operations Analyst will evaluate creditworthiness and assess risk for SME loan applicants, working with seasoned professionals to improve underwriting processes.

Responsibilities include credit evaluation, risk assessment, due diligence, cross-functional collaboration, and portfolio monitoring with a focus on regulatory compliance and accurate loan records.