Credit Risk Analyst

4 days ago

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

Purpose of the Role

Hands-on credit analyst for SME lending in the Philippines. Executes Jia's established credit framework while using judgment, curiosity, and problem-solving skills to assess borrower applications, analyze financials, and propose improvements to how we evaluate risk.

Must-Have Skills & Experience

  • 2–5 years in credit risk analysis, financial analysis, or SME lending
  • Strong financial statement analysis skills (P&L, balance sheet, cash flow)
  • Ability to own borrower evaluations end-to-end and make sound credit recommendations
  • Curious, proactive problem-solver who can ask the right questions to uncover key risks
  • Excellent written and spoken English
  • Comfortable working independently in a fast-paced environment

Preferred

  • SQL/Python skills to pull and analyze data for underwriting
  • Experience in fintech, alternative lending, or commercial banking
  • Familiarity with credit scoring models/statistical analysis

Key Traits

  • Analytical thinker who can adapt framework rules to real-world borrower scenarios
  • Investigative mindset — digs beyond surface-level information to uncover the true credit story
  • Process-oriented but always looking for ways to improve how we approach underwriting
  • Strong communicator who can work closely with sales/ops while driving borrower conversations directly

Role Highlights

  • Central to Jia's credit decision-making in the Philippines
  • Opportunity to refine and shape our credit evaluation process
  • Collaborates with global credit leadership while owning PH evaluations
  • Career growth path into senior credit leadership as we scale

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