Credit Risk Analyst

About Globe

• 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!

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, and internal scoring models.
• Contribute to the development, implementation, and refinement of acquisition credit risk strategies and eligibility policies.
• 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.
• Collect, analyze, and interpret large datasets related to loan originations, and early portfolio performance.
• Develop and maintain regular reports on key risk indicators (KRIs), EBs and disbursements, take up rates, and other relevant metrics.
• Present findings and recommendations to senior management and other stakeholders in a clear and concise manner.
• Monitor the credit quality of newly originated loans and identify emerging risk trends.
• Collaborate with collections and portfolio management teams to understand the impact of acquisition strategies on downstream performance.
• Work closely with cross-functional teams, including Products, Tech, and Sales, to optimize the loan processes and enhance risk management capabilities.
• Identify opportunities for process improvements and automation within the credit risk function.
• Participate in ad-hoc projects and initiatives related to credit risk management.

Benefits

• 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