Credit Risk Analyst (Fintech)

Location: NCR - WGC, Philippines

Company

hirify.global operates GCash, a fintech platform creating financial solutions for consumers and partner ecosystems in the Philippines.

What you will do

• Analyze the creditworthiness of eligible consumer bases using internal scoring models, alternative data, and other data sources.
• Develop, implement, and optimize acquisition credit risk strategies and eligibility policies for direct retail and partner-led B2B2C/B2B2B segments.
• Evaluate partner operational stability and design consumer and merchant risk frameworks for different distribution channels.
• Analyze loan originations, early portfolio performance, and partner-specific cohort behavior; maintain reports on key risk indicators, disbursements, utilization, and take-up rates.
• Monitor partner-level and end-user-level portfolio performance and collaborate with collections and portfolio management teams.
• Work with Product, Tech, Sales, and Business Development teams to improve loan workflows, automate risk processes, and assess new partnerships.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business Administration, or a related quantitative field.
• Experience in consumer credit risk management, underwriting, or a comparable analytical role in financial services.
• Understanding of lending products, credit lifecycles, automated credit risk principles, credit scoring models, statistical analysis, and risk assessment.
• Strong quantitative, analytical, problem-solving, communication, organizational, and time-management skills.
• Experience working with large datasets and familiarity with alternative data scoring, including e-commerce, telecommunications, or payment gateway data.
• Knowledge of SQL, Python, R, or SAS and relevant regulatory requirements for retail and consumer lending.

Nice to have

• Master's degree in a relevant field.
• Experience with embedded finance, BNPL, marketplace lending, or partner-led B2B2C distribution channels.
• Familiarity with corporate financial health indicators or merchant risk factors.

Culture & Benefits

• Career growth and professional development opportunities.
• Dynamic and highly collaborative working environment.
• Competitive and flexible compensation and benefits package.