Credit Analyst

4 days ago

Manila, National Capital Region, Philippines Jia Full time ₱900,000 - ₱1,200,000 per year

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 

  • Credit Administration Analyst

    2 days ago

    Manila, National Capital Region, Philippines Credit Guarantee and Investment Facility Full time ₱900,000 - ₱1,200,000 per year

    OVERVIEWThe Credit Administration Analyst (CAA) is a local staff that is responsible for credit administration and monitoring. The CAA will be assigned to the Credit Administration Unit of the Risk Management Department, Credit Risk Group.JOB DESCRIPTIONThe CAA assists CGIF's Credit Administration Officer (CAO) in the following.Monitoring for compliance of...

  • Credit Analyst

    1 week ago

    Manila, National Capital Region, Philippines Atlantis Consulting Full time ₱900,000 - ₱1,200,000 per year

    Job Title: Credit Analyst (AM-M)Company: Financial InstitutionLocation: Metro ManilaPosition Type: Full-timeHeadcount: 3 Job Brief We are looking for highly skilled Credit Analysts to join a trusted and established financial institution. The role is critical in evaluating credit proposals, managing portfolio risks, and ensuring compliance with internal...

  • Credit and Collection Analyst

    4 days ago

    Manila, National Capital Region, Philippines PTC Commercial Corporation Full time ₱600,000 - ₱1,200,000 per year

    About the role We are seeking a highly skilled Credit and Collection Analyst to join our dynamic team at PTC Commercial Corporation. This full-time role is based in Tondo, Manila City, Metro Manila, and will be responsible for managing the company's credit and collection processes to ensure timely payments and maintain a healthy cash flow.What you'll be...

  • Credit Analyst

    1 week ago

    Manila, National Capital Region, Philippines Evoke Capital Full time ₱900,000 - ₱1,200,000 per year

    Evoke Capital - Finance and Mortgage BrokerageEvoke Capital is an award-winning Finance and Mortgage Brokerage based in Sydney specialising in both commercial and residential property lending.We are currently experiencing an exciting period of growth and so we are seeking a highly motivated and energetic Credit Analyst to join our team.This role will be...

  • Credit Analyst

    4 days ago

    Manila, National Capital Region, Philippines HYRED Full time $104,000 - $130,878 per year

    About Our ClientOur client is a mission-driven fintech platform providing flexible financing to small businesses in emerging markets. They use technology to make it faster, cheaper, and easier for entrepreneurs to access the capital they need to grow. Their first product is invoice financing, with a focus on the Philippines.Purpose of the RoleHands-on credit...

  • Senior Credit Analyst

    2 days ago

    Manila, National Capital Region, Philippines Diamond Lending Full time ₱1,200,000 - ₱2,400,000 per year

    Location:Manila, PhilippinesCompany:Diamond Lending (Diamond Private Capital Pty Ltd)Experience Required:5–10 years (Credit Analyst / Loan Processing in Australian brokerage firm and/or lender)About UsDiamond Lending is a leading Australian finance brokerage firm in Australia. We specialize in residential mortgages, commercial loans, private lending (1st &...

  • Credit Analyst Australian Mortgages

    1 week ago

    Manila, National Capital Region, Philippines D2B Full time ₱600,000 - ₱1,200,000 per year

    We're Hiring: Credit Analyst for Australian Mortgages Remote | Full-Time | Australian ClientD2B is seeking a detail-oriented and experienced Credit Analyst to join our team specializing in Australian mortgages. In this role, you will be responsible for assessing the creditworthiness of applicants and ensuring that all required documentation meets lender...

  • Credit Analyst Australian Mortgages

    4 days ago

    Manila, National Capital Region, Philippines D2B Full time ₱1,200,000 - ₱2,400,000 per year

    We're Hiring: Credit Analyst for Australian Mortgages Remote | Full-Time | Australian ClientD2B is seeking a detail-oriented and experienced Credit Analyst to join our team specializing in Australian mortgages. In this role, you will be responsible for assessing the creditworthiness of applicants and ensuring that all required documentation meets lender...

  • Credit Analyst Australian Mortgages

    4 days ago

    Manila, National Capital Region, Philippines Direct To Business (D2B) Full time A$104,000 - A$130,878 per year

    We're Hiring: Credit Analyst for Australian MortgagesRemote | Full-Time | Australian ClientD2B is seeking a detail-oriented and experienced Credit Analyst to join our team specializing in Australian mortgages. In this role, you will be responsible for assessing the creditworthiness of applicants and ensuring that all required documentation meets lender...

  • Credit Analyst Australian Mortgages

    4 days ago

    Manila, National Capital Region, Philippines D2B Full time ₱1,200,000 - ₱2,400,000 per year

    We're Hiring: Credit Analyst for Australian Mortgages Remote | Full-Time | Australian ClientD2B is seeking a detail-oriented and experienced Credit Analyst to join our team specializing in Australian mortgages. In this role, you will be responsible for assessing the creditworthiness of applicants and ensuring that all required documentation meets lender...