Credit Analyst

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme's globally proven digital banking technology and hands-on experience building South Africa's leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the role

We are looking for a highly analytical and detail-oriented Credit Analyst to join our Consumer Lending Team. You will play a key role in evaluating credit risk and supporting the design, monitoring, and optimization of our lending products. This role is ideal for someone who is passionate about data-driven decision-making and wants to help build responsible credit products that enable financial inclusion.

Credit Evaluation & Risk Assessment

• Analyze credit applications, customer profiles, and financial data to assess risk.
• Interpret credit scoring models, behavioral data, and alternative data sources to support credit decisions.
• Assist in setting and refining credit policies and underwriting criteria.
• Develop and maintain NPV valuation (financial) models for the lending products, credit strategies, and portfolio performance.

Portfolio Monitoring

• Monitor performance metrics such as delinquency, default rates, and recovery.
• Conduct cohort and segmentation analysis to identify trends and early warning indicators.
• Support the development of risk dashboards and reporting tools.

Campaigns Execution

• Design, execute, and analyze lending campaigns aimed at driving credit usage, improving repayment behavior, or reducing risk.
• Partner with marketing, CRM, and product teams to ensure alignment of campaign goals with credit policies.
• Monitor campaign performance and provide recommendations for optimization.

Collaboration & Support

• Work with product, engineering, and collections teams to design and implement lending workflows.
• Provide analytical support during new product rollouts or changes in credit policy.
• Participate in cross-functional discussions on customer experience and product risk.
• Work closely with business partners and be able to translate business problem to statistical problems and leverage machine learning technology to solve business problems.

Innovation and Research

• Stay updated with the latest developments in data science using AI/ML.
• Experiment with new tools, techniques, algorithms and methodologies to enhance the bank's capabilities.

Must Haves

• Bachelor's degree or higher in applied mathematics, statistics, computer science, physics, data science, economics, engineering or equivalent quantitative discipline.
• 2+ years of related work experience is required. Financial or banking industry work experience is advantage but not required.
• Hands on experience working with, manipulating and analyzing large datasets using programming languages such as SQL and Python etc. and writing the necessary scripts to extract these successfully and efficiently (without timeouts or memory failures).
• Proficiency in SQL, Python, Excel, and/or data visualization tools (e.g., Tableau, PowerBI).
• Strong analytical problem-solving skills.
• Excellent communication skills – able to present complex findings in a clear, concise manner.
• Strong business judgment and attention to detail.