Senior Credit Risk Analyst: SME Lending & Credit Strategy

HYRED; Manila; Presencial; PHP 900 000 - 1 800 000; Tempo integral

Resumo da oferta

HYRED, a fast-growing fintech, is seeking a Senior Credit Risk Analyst to evaluate SME borrowers and strengthen credit processes as the business scales.

You will independently assess loan applications, analyze SME and bank statements, identify risks, and provide clear credit recommendations to credit and BD teams in a dynamic fintech environment.

The role emphasizes genuine underwriting and credit judgment, with opportunities to improve frameworks and automate analysis as the team grows.

Qualificações

• 2-5 years of experience in credit analysis or underwriting.
• Experience analysing SME financial statements and bank statements.
• Ability to independently assess borrowers and make clear credit recommendations.
• Strong risk judgment and investigative mindset.
• Excellent written and verbal communication.
• Experience with Excel/Sheets; SQL or Python a plus.
• Ability to work in a fast-changing fintech environment.

Responsabilidades

• Evaluate SME borrowers and assess loan applications independently.
• Analyse financial statements and bank statements to understand cash flow, repayment capacity and financial risks.
• Identify inconsistencies, concentration risks and early warning signs.
• Prepare clear and concise credit assessments and recommendations.
• Monitor existing borrowers and identify emerging portfolio risks.
• Work closely with Credit and BD teams and challenge assumptions when the numbers don't add up.
• Help improve credit frameworks and processes.
• Look for opportunities to automate repetitive analysis and reporting.

Conhecimentos

Credit risk analysis

Analytical thinking

Communication

Independent decision making

Ferramentas

Excel

Google Sheets

SQL

Python

Descrição da oferta de emprego

HYRED, a fast-growing fintech, is seeking a Senior Credit Risk Analyst to evaluate SME borrowers and strengthen credit processes as the business scales.

You will independently assess loan applications, analyze SME and bank statements, identify risks, and provide clear credit recommendations to credit and BD teams in a dynamic fintech environment.

The role emphasizes genuine underwriting and credit judgment, with opportunities to improve frameworks and automate analysis as the team grows.