Credit Analyst
17 hours ago
Are you an analytical problem-solver who loves digging into financials and uncovering the
real
credit story?
Join Jia as a Credit Analyst and help us power SME growth in the Philippines.
You'll evaluate borrower applications end-to-end, apply judgment beyond the numbers, and shape how we assess risk as we scale.
This role is central to our credit decision-making and offers a clear growth path into senior credit leadership. You'll collaborate with a global team of
Jia-raffes
while driving impact for underserved entrepreneurs.
Hybrid/Remote (Philippines) | Global Fintech | Career Growth
The Role
We're looking for a sharp, hands-on Credit Risk Analyst to join our growing team in the Philippines. In this role, you'll evaluate SME borrower applications, analyze financials, and apply Jia's credit framework with judgment and curiosity. You'll be central to our credit decision-making, ensuring we back strong businesses while continuously improving how we assess and manage risk.
What You'll Do
- Lead end-to-end borrower evaluations and deliver sound credit recommendations
- Analyze financial statements (P&L, balance sheet, cash flow) to assess creditworthiness
- Engage borrowers directly to uncover the
real
credit story - Collaborate with sales and operations to ensure smooth credit processes
- Partner with global credit leadership to refine Jia's underwriting approach
- Spot opportunities to improve our processes, tools, and credit models
What We're Looking For
- 2–5 years' experience in credit risk analysis, financial analysis, or SME lending
- Strong financial statement analysis skills
- Ability to work independently in a fast-paced environment
- Excellent written and spoken English
- Curiosity, problem-solving instincts, and an investigative mindset
Nice to Have
- SQL or Python skills for underwriting and data analysis
- Experience in fintech, alternative lending, or commercial banking
- Familiarity with credit scoring models or statistical analysis
Who You Are
- Analytical thinker who adapts frameworks to real-world borrower scenarios
- Process-oriented yet creative, always seeking better ways to underwrite
- Strong communicator who can balance collaboration with independent judgment
- Driven to dig deeper—uncovering risks and opportunities others might miss
Why Join Jia?
At Jia, we're redefining financing for small and medium-sized enterprises (SMEs) in emerging markets. By offering blockchain-based financing and other flexible financial services, we empower entrepreneurs to take control of their financial futures.
Our mission: Close the $5 trillion credit gap for SMEs while fostering innovation, inclusivity, and impact.
Our team: We're a global group of passionate problem-solvers we proudly call
Jia-raffes
, spanning Los Angeles, Manila, and Nairobi.
Our promise: A chance to shape the future of SME lending, grow with us, and make a tangible impact on underserved entrepreneurs.
Ready to grow your career in fintech and be part of a global mission to empower SMEs?
Email your resume and a note about why this role excites you to
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