Credit Risk Analyst

Job description

Do you want to take the first step in making Filipinos’ lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation! G ka ba? Join the G Nation today! ROLES AND RESPONSIBILITIES DOES ( The tasks / responsibilities that the role performs to address requirements in Key Result Areas) Acquisition Policy Development & Optimization: Analyze and assess creditworthiness of potential eligible base (EB) using various data sources, alternative data metrics and internal scoring models. Contribute to the development, implementation, and refinement of acquisition credit risk strategies and eligibility policies, ensuring adaptability to both direct retail users and partner-led (B2B2C/B2B2B) segments. Monitor the effectiveness of current credit strategies and recommend adjustments based on portfolio performance, market trends, and risk appetite. Utilize statistical analysis and modeling techniques to enhance risk segmentation and decision-making frameworks. Evaluate the risk profile and operational stability of B2B platform partners while simultaneously designing consumer/merchant risk frameworks tailored to that partner's specific distribution channel. Data Analysis & Reporting: Collect, analyze, and interpret large datasets related to loan originations, early portfolio performance, and partner-specific cohort behavioral trends . Develop and maintain regular reports on key risk indicators (KRIs), eligible bases (EBs), disbursements, partner program utilization, take-up rates, and other relevant metrics . Present findings and recommendations to senior management and other stakeholders in a clear and concise manner. Portfolio Monitoring & Management: Monitor early portfolio performance at both the partner level (B2B concentration) and the end-user level (B2C credit performance) to spot emerging risk trends. Collaborate with collections and portfolio management teams to understand the impact of acquisition strategies on downstream performance. Collaboration & Process Improvement: Work closely with cross-functional teams, including Products, Tech, Sales, and Business Development (BD), to optimize loan workflows and scale risk mitigation capabilities Support the BD team by evaluating the risk feasibility of new partnership ecosystems, co-creating flexible but secure commercial underwriting criteria.. Identify opportunities for process improvements and automation within the credit risk function. Participate in ad-hoc projects and initiatives related to credit risk management. QUALIFICATIONS (Minimum requirements in terms of experience and background, skills and competencies for sourcing purposes) Education: Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business Administration, or a related quantitative field. A Master's degree is a plus. Experience: Ideally an experience in consumer credit risk management, underwriting, or a similar analytical role within the financial services industry. Experience or strong exposure to hybrid risk models, such as embedded finance, BNPL, marketplace lending, or partner-led/B2B2C distribution channels, is highly advantageous. Strong understanding of lending products, credit lifecycles, and automated credit risk principles. Basic familiarity with corporate financial health indicators or merchant risk factors is a plus. Experience with credit scoring models, statistical analysis, and risk assessment techniques. Knowledge of relevant regulatory requirements for retail and consumer lending. Displays ( The Knowledge, Skills, and Behaviors indicating how tasks / responsibilities will be performed ) Excellent analytical and problem-solving skills with a strong attention to detail. Strong quantitative abilities and experience working with large datasets (encompassing both traditional consumer credit metrics and partner transactional logs). Familiarity with alternative data scoring (e.g., e-commerce transaction history, telco data, or payment gateway logs) Effective communication skills, both written and verbal, with the ability to present complex information clearly. Ability to work independently and as part of a team in a fast-paced environment. Strong organizational and time management skills. High level of integrity and ethical standards. Proactive and results-oriented mindset. Knowledge in data analysis tools (e.g., SQL, Python, R, SAS) KPIs Risk-Adjusted Revenue Growth: Contribution to revenue growth from new business initiatives, weighted by associated credit risk. What We Offer Opportunity for career growth and development in the #1 FinTech company in the country Working with a dynamic and highly collaborative team who want to change the game A company that values their people with highly competitive and flexible compensation and benefits package