Senior Data Analyst

Tonik Bank; Pasig; On-site; PHP 1,200,000 - 2,000,000; Full time

Job summary

Tonik Bank seeks a Senior Data Analyst to drive profitability analytics for consumer lending in the Philippines. You will own loan- and segment-level profitability analyses, build RAROC and contribution-margin models, and automate recurring reports and dashboards.

Responsibilities include monitoring portfolio health, early-warning indicators, and stress testing, then translating results into actionable insights for credit and finance leadership.

Qualifications

• 5+ years in credit risk, consumer lending, or portfolio analytics.
• Strong hands-on experience with cloud data warehouses (BigQuery).
• Understanding of consumer credit economics: expected loss, pricing vs risk.
• Proven ability to link analytics to business decisions and outcomes.

Responsibilities

• Optimize profitability: profitability, RAROC frameworks, pricing, and costs.
• Monitor portfolio health: delinquency, roll rates, charge-offs, recoveries.
• Develop data & analytics: write and optimize SQL, use R/P, deliver decision-ready analyses.

Skills

BigQuery

Python/R

Credit risk

Profitability analysis

Stakeholder communication

Tools

SQL

Job description

Senior Data Analyst

Philippines - Upsell

Responsibilities

1. Profitability & RAROC Optimization
   • Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses
   • Design and maintain RAROC and contribution margin frameworks used to guide:
     • Approval cutoffs
     • Risk-based pricing
     • Credit limit management
   • Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction)
   • Quantify the profit impact of strategy changes before implementation
   • Automate recurring profitability reports and dashboards
2. Portfolio Monitoring & Early Warning
   • Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance
   • Build and maintain early-warning indicators tied to borrower behavior, macro trends, and policy changes
   • Support stress testing and downside scenario analysis to assess earnings and capital sensitivity
   • Translate portfolio performance into actionable insights for credit and finance leadership
3. Data & Analytics Execution
   • Write and optimize BigQuery SQL to analyze large-scale lending and performance datasets
   • Use statistical tools (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting
   • Produce clear, decision-ready analysis that links risk metrics directly to financial outcomes
   • Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles
   • Implement automated data quality checks and validation routines

Qualification

Required Qualifications

• 5+ years of experience in credit risk, consumer lending, or portfolio analytics
• Strong hands-on experience with BigQuery or similar cloud data warehouses
• Solid understanding of consumer credit economics, including:
  • Expected loss mechanics
  • Pricing vs. risk trade-offs
  • Portfolio-level profitability drivers
• Proven ability to connect analytics to real business decisions and financial outcomes

Preferred Qualifications

• FRM certification (completed or in progress)
• Experience working with RAROC, economic capital, or capital-constrained growth frameworks
• Exposure to pricing, limit management, or portfolio strategy in a consumer lending context
• Ability to communicate complex analytics clearly to senior credit, risk, and finance stakeholders