Invoice To Cash Team Lead, Credit Management

Job Description - Credit Risk Analyst

Location: Makati, Philippines

About OneLot:

OneLot is reimagining the used car financing industry in the Philippines. As a fast-growing startup, we empower used car dealers with accessible financial solutions and an easy-to-use digital platform that helps them succeed. Our mission is simple: to make buying and selling cars faster, easier, and more effective.

Led by a group of experts in lending and startups, and backed by top-tier investors, OneLot is on an exciting path of rapid growth. If you're eager to take the next step in your career, gain valuable experience, and be part of a company that's making an impact, we'd love to have you join us.

You can learn more about OneLot here:

• LinkedIn Page:
• Philstar Wheels

About the Role:

As a Credit Risk Analyst, you will be responsible for assessing and managing the creditworthiness of used car dealers applying for financing with OneLot. Your work will directly impact the quality of our loan portfolio by ensuring that credit decisions are well-informed, data-driven, and aligned with our internal policies and risk standards.

• Collect, review, and analyze business and financial information of used car dealers.
• Perform Know-Your-Customer (KYC) and due diligence checks in line with internal and regulatory policies.
• Conduct research to gather additional information related to a dealer's business, credit standing, and background.
• Evaluate financial data to design tailor-fit credit solutions for each applicant.
• Assess and recommend credit decisions based on the dealer's risk profile.
• Coordinate with other operational teams in activating loans and sending payment reminders to used car dealers.
• Monitor credit performance and provide insights to support strategic credit decisions.

• With at least 1–2 years of experience in credit analysis, risk assessment, or a related field.
• Knowledge of KYC, credit investigation, and due diligence processes.
• Familiarity with financial statements and credit scoring methods.
• Preferably with a degree in Finance, Business Administration, Economics, or a related course.
• Excellent verbal and written communication skills.
• Ability to handle difficult conversations with empathy and professionalism.

At OneLot, we offer a range of benefits to help you excel in your role and support your personal and professional growth. These include:

• Career Acceleration: Join an up-and-coming startup poised for significant growth.
• Collaboration: Work closely with our founders and senior management team, contributing to the company's strategic vision.
• Learning Opportunities: Enjoy a steep learning curve in a creative and dynamic work environment.
• Competitive Salary: We offer a competitive salary package to attract and retain top talent.
• Exciting Earning Potential: Earn an uncapped bonus based on your individual contributions, evaluated alongside company performance and other key factors—rewarding your impact and success.
• HMO Health Insurance: Your health and well-being are important to us, and we provide comprehensive health insurance from day 1.
• Team Culture: Join a cool, dynamic team with a great working culture that values innovation, collaboration, and diversity.

If you are a highly motivated and results-driven professional looking to make a significant impact in the FinTech industry, we invite you to join us on this exciting journey at OneLot.

How to Apply:

To apply for the position at OneLot, click apply. Alternatively, you may click here to apply.

OneLot is an equal opportunities employer. We welcome applications from candidates of all backgrounds and experiences.

Job Type: Full-time