Sr. Credit Analyst (Unsecured SME Lending)

Founderslaunchpad; Friendly (MD); On-site; USD 80,000 - 120,000; Full time

Job summary

A leading company is seeking a motivated Sr. Credit Analyst to join their dynamic team. This hands-on role requires a strong background in credit and risk management in the lending industry, specifically targeting Philippine customers. The ideal candidate will not only set up systems but also contribute to the company's growth and success while working in an energetic environment focused on relationships and continuous improvement.

Benefits

Work-life balance

Growth opportunities and continued learning

Passionate and fun work environment

Qualifications

• 4+ years in credit, underwriting or risk at an established lender in the Philippines.
• Experience in building credit processes and managing systems.
• Comfortable with hands-on tasks and problem-solving.

Responsibilities

• Develop credit policies, underwriting processes, and risk strategies.
• Manage loan reviews and assess risks effectively.
• Lead the credit operations and build a team as the company grows.

Skills

Credit Management

Risk Assessment

Data Analysis

Process Building

Collaboration

Education

Degree in Finance

CFA Certification

Tools

Lending Systems

Job description

Sr. Credit Analyst (Unsecured SME Lending)

We are looking for a highly motivated Sr. Credit Analyst to join the team.

About Us

N90 is a young lending company dedicated to providing accessible, reliable loan solutions for Filipinos. We’re a small, energetic team that believes in building strong relationships with our customers, not just chasing volume. Our goal is to understand and support the people we serve, and we’re looking for a Head of Credit to join us as a key leader in making that happen.

Job Summary

We’re hiring our first Sr. Credit Analyst to work alongside the Founders and lead our credit operations. This is a hands-on role for someone who’s ready to build processes, manage risk, and grow with us. You’ll bring experience from a solid lending or finance background in the Philippines, and you’ll play a big part in making N90 succeed. If you’re excited to create something from the ground up, this is for you.

Job Responsibilities

• Set It Up: Develop credit policies, underwriting processes, and risk strategies that fit our goals and customers.
• Get Involved: Handle loan reviews, assess risks, and make decisions while setting up systems that scale.
• Manage Risk: Keep an eye on our portfolio, spot issues early, and find ways to keep it healthy.
• Lead the Way: Start as a hands-on leader, then build and guide a credit team as we grow.
• Analyze: Use data to track performance and suggest smart changes to our approach.
• Stay Compliant: Make sure we follow Philippine regulations (like BSP rules) as we build.
• Work Together: Partner with the Founder and our small team to bring our vision to life.
• Improve: Find practical ways to make our credit operations smoother and better over time.

Job Qualifications

• Experience: 4+ years in credit, underwriting, or risk at an established lender (bank, microfinance, or fintech) in the Philippines.
• Process Builder: You’ve created and managed credit systems before, and you’re eager to do it here.
• Hands-On: You’re comfortable diving into the work, from reviewing loans to solving problems.
• Adaptable: You thrive in a small, fast-moving team where flexibility matters.
• Local Expert: You understand lending in the Philippines—risks, rules, and customer needs.
• Analytical: You’re good with data and can turn it into clear, actionable steps.
• Education: Degree in Finance, Business, or a related field (extra certifications like CFA are a plus).
• Tech-Friendly: Familiar with lending tools or data systems, and willing to work with what we’ve got.
• Team Fit: You’re collaborative, driven, and ready to join a young, motivated crew.

Why Work With Us?

• Work with a young, passionate, and fun team
• We offer a diverse and international work environment
• Work-life balance
• Amazing growth opportunities and continued learning - dedicate part of your working hours to improving your knowledge and skills

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