Senior Credit Analyst (Fintech)

TL;DR

Senior Credit Analyst (Fintech): Developing credit policies and monitoring portfolio performance for a consumer lending business in the Philippines with an accent on LTV-driven credit frameworks and analytical execution. Focus on optimizing credit decisions through SQL/Python analysis and collaborating with Data Science teams to enhance credit models.

Location: Remote from Australia or Singapore, or Hybrid in Manila. For those not based in Manila, travel 4-6 times per year is required.

Company

hirify.global uses machine learning-powered credit models to expand financial access to the working population worldwide.

What you will do

• Develop and update credit policies for the Philippine lending market and partner with technology teams for implementation.
• Monitor end-to-end portfolio performance, tracking loss rates and key credit metrics against industry standards.
• Collaborate with Data Science teams to influence and optimize models and analytical tools.
• Apply an LTV-driven credit framework to evaluate credit decisions rather than relying solely on loss rates.
• Conduct exploratory data analysis to uncover trends and communicate actionable insights to stakeholders.
• Partner with international credit and data science teams to identify synergies across global markets.

Requirements

• 4-6+ years of experience in credit risk, data analytics, or consumer/unsecured lending.
• Strong SQL skills are essential; Python proficiency is a plus.
• Experience in end-to-end development, implementation, and monitoring of credit policies.
• Familiarity with LTV/NPV-style credit frameworks.
• Ability to independently own complex analyses and translate findings into business recommendations.
• Must be based in Manila, Australia, or Singapore.

Culture & Benefits

• Virtual-first environment with WFH office reimbursement and a team spanning 14 countries.
• Competitive compensation packages including generous equity.
• Flexible health plans and substantial subsidies aligned with global standards.
• Direct exposure to the senior leadership team and a culture of rapid idea travel.
• Paid global onsites twice a year for team reconnection and cultural exchange.
• Growth opportunities based on contribution rather than rigid promotion timelines.

Hiring process

• Recruiter screen to discuss experience and mission alignment.
• Hiring Manager interview featuring a live SQL/analytical case study.
• Virtual onsite with Credit and Data Science teams to discuss real-world scenarios.
• Final leadership conversation focusing on growth and mission alignment.