Senior Data Analyst

Tonik Digital Bank, Inc.; Philippines; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

A financial services company in the Philippines is seeking a Senior Data Analyst to optimize profitability in the consumer credit portfolio. The role involves ownership of profitability analysis and RAROC optimization, as well as monitoring portfolio health. Candidates should have over 5 years of experience in credit risk or consumer lending, strong skills in BigQuery SQL, and the ability to connect analytical insights to business decisions. Preferred qualifications include FRM certification and experience in portfolio strategy.

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 and profitability drivers.

Responsibilities

• Own loan-level and segment-level profitability analysis.
• Monitor portfolio health across delinquency and charge-offs.
• Write and optimize BigQuery SQL to analyze lending datasets.

Skills

Credit risk analysis

BigQuery SQL

Statistical tools (R, Python)

Portfolio profitability analysis

Tools

BigQuery

Data visualization tools

Job description

The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital‑efficient and sustainable.

Responsibilities

• 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
• 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
• 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

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