Credit Risk Analyst (Fintech)

Location: NCR - WGC, Philippines

Company

hirify.global operates GCash, a fintech company creating financial solutions for the Philippines.

What you will do

• Analyze the creditworthiness of eligible customers using data sources and internal scoring models.
• Develop, implement, monitor, and optimize acquisition credit risk strategies and eligibility policies.
• Analyze loan origination and early portfolio performance data, maintaining reports on KRIs, eligible bases, disbursements, and take-up rates.
• Monitor newly originated loan quality and identify emerging risk trends.
• Present findings and recommendations to senior management and collaborate with Products, Tech, Sales, Collections, and Portfolio Management.
• Improve and automate credit risk processes and participate in related ad-hoc initiatives.

Requirements

• Experience analyzing creditworthiness and applying internal scoring models.
• Ability to use statistical analysis and modeling techniques for risk segmentation and decision-making.
• Ability to collect, analyze, and interpret large datasets related to loan originations and portfolio performance.
• Ability to develop risk reports and communicate findings clearly to senior stakeholders.
• Ability to collaborate cross-functionally on credit risk, loan process, and portfolio management initiatives.

Culture & Benefits

• Full-time opportunity with career growth and development.
• Work within a dynamic, highly collaborative team at a leading fintech company in the Philippines.
• Competitive and flexible compensation and benefits package.