Senior Credit Risk & Portfolio Analytics Lead

Wisefund Finance Corporation Ortigas; Eastern Manila District; On-site; PHP 600,000 - 900,000; Full time

Job summary

Wisefund Finance Corporation Ortigas is seeking a Senior Credit Risk Analytics professional to monitor and analyze the loan portfolio across product lines, branches, and borrower segments. You will evaluate credit quality indicators, conduct cohort analyses, and support ECL, PD, and loss provisioning processes.

You will collaborate with SAFC Risk Analytics and other departments to develop dashboards, validate data, and prepare management reports that inform policy reviews and strategic

Responsibilities

• Monitor and analyze loan portfolio performance by product, branch, borrower segment, classification and risk dimensions.
• Prepare analyses of portfolio-at-risk, delinquency, NPL, roll rates, and other credit quality indicators.
• Conduct vintage and cohort analyses to evaluate repayment performance across periods.
• Analyze loan approval, rejection, and repayment trends to identify credit risks.
• Assess credit quality of New and Renewal accounts; compare repayment behavior.
• Identify portfolio concentrations, adverse trends, and risk exposures.
• Recommend monitoring measures and management intervention areas.
• Provide portfolio performance analyses to support credit policy reviews, product evaluation, planning.
• Serve as WFCs analytical counterpart for the SGV credit scoring project.
• Participate in knowledge transfer on scoring methodologies, data requirements, and performance evaluation.
• Document credit scoring processes, data definitions, and monitoring methodologies.
• Coordinate with SAFC Risk Analytics on periodic monitoring of scoring model performance.
• Analyze score distributions, risk segmentation, approval rates, delinquency by category.
• Monitor model performance for deterioration or drift; identify data quality issues.
• Prepare model performance reports and recommend areas for improvement.
• Coordinate model adjustments with SAFC Risk Management and approving authorities.
• Analyze factors contributing to changes in Expected Credit Loss provisions.
• Coordinate with Accounting/Finance and SAFC Risk Management on ECL inputs.
• Assist in analyzing PD, Loss Given Default, EAD, and ECL staging movements.
• Prepare comparative ECL movement analyses; identify changes due to portfolio composition and recoveries.
• Assess financial implications of ECL movements on profitability.
• Identify loan products or vintages contributing to ECL.
• Support scenario and sensitivity analyses for credit performance impacts.
• Prepare ECL analytical summaries and recommendations for Management.
• Monitor and analyze collections performance, recovery trends, delinquency movements, cure rates.
• Evaluate performance of third-party collection providers; prepare assessments.
• Identify recurring collection issues and deterioration patterns.
• Coordinate with Credit Department to validate analyses.
• Recommend opportunities to improve collection monitoring and recovery strategies.
• Prepare periodic collection and recovery analytics reports for Management.
• Prepare monthly, quarterly, and special credit risk analytics reports for President and stakeholders.
• Develop and maintain portfolio risk dashboards; present findings clearly.
• Provide analytical support to COO, Credit, Accounting/Finance, and other departments.
• Coordinate with SAFC Risk Management in preparing reports for Management and Board.
• Support development of automated reporting tools and risk analytics templates.
• Maintain data integrity and confidentiality of analytical information.
• Perform other relevant credit risk analytics functions as assigned.

Job description

Wisefund Finance Corporation Ortigas is seeking a Senior Credit Risk Analytics professional to monitor and analyze the loan portfolio across product lines, branches, and borrower segments. You will evaluate credit quality indicators, conduct cohort analyses, and support ECL, PD, and loss provisioning processes.

You will collaborate with SAFC Risk Analytics and other departments to develop dashboards, validate data, and prepare management reports that inform policy reviews and strategic