Senior Data Analyst: RAROC Profitability & Credit Risk

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

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.