Junior Credit Analyst

Driving Smart Financial Solutions, One Application at a Time

Shape lending decisions that empower small businesses and gig workers to thrive. This role offers the rare chance to make your mark in the lending industry while enjoying true work-life balance. Secure your future, create impact, and grow in a supportive environment that values your time both inside and outside the office.

Job Description:

As a Junior Credit Analyst, you will assess merchant cash advance applications, validate income sources, and ensure compliance with underwriting standards. Your expertise will drive informed lending decisions while refining processes. You'll also engage with customers, providing education and guidance to support gig workers and small business owners in securing financial solutions.

Job Overview:

Employment type: Full-time

Shift: Night Shift (Mon - Fri, 08:00 PM to 05:00 AM, Weekends Off)

Work setup: Onsite, Makati/Ortigas

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Prime office location in Ortigas/Makati (Easy access to MRT stations, restaurants, and banks)
• Salary Advance Program through our banking partner (Eligibility and approval subject to bank assessment. Available to account holders with minimum of 6 months company tenure.)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited opportunities for employee referral incentives across the organization
• Standard government and Emapta benefits
• Total of 20 annual leaves to be used on your own discretion (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• Bachelor's degree in Finance, Business Administration, Economics, Accounting, or a related field (preferred; equivalent practical experience considered).
• 1-3 years of underwriting experience required, preferably in merchant cash advance (MCA), lending, credit risk analysis, or related financial services.
• Strong underwriting mindset with the ability to assess risk factors and make sound, data-driven decisions.
• Experience analyzing financial statements, income patterns, or non-traditional income structures (e.g., gig economy platforms) is a plus.
• Solid analytical and problem-solving skills, with keen attention to detail in risk assessment.
• Excellent verbal and written communication skills in English for both internal and client-facing interactions.
• Ability to work independently, prioritize tasks, and manage multiple applications simultaneously in a fast-paced, startup-like environment.
• Familiarity with Infinity software, CRMs, or financial analysis platforms is preferred but not required.
• Customer-centric approach with strong interpersonal skills for effective client engagement.
• Willingness to work onsite in night shifts and take on varied responsibilities ("wear multiple hats").

Your Daily Tasks

Underwriting & Evaluation

• Review and analyze MCA applications, focusing on three months of bank statements, ACH transactions, and other financial data.
• Validate income sources, distinguishing between consumer and gig economy income streams.
• Assess applicants' financial stability and ensure compliance with internal underwriting guidelines.
• Provide well-documented underwriting decisions supported by data-driven insights.

Process Improvement

• Collaborate with leadership to identify opportunities to enhance underwriting processes and criteria.
• Stay informed about market trends and gig economy developments to refine underwriting practices.
• Propose and help implement innovative strategies to improve risk assessment and applicant evaluation.

Customer Communication

• Engage with applicants to explain MCA products, requirements, and the underwriting process.
• Educate customers on necessary documentation and assist them in gathering required materials to expedite application approvals.
• Maintain clear, professional communication with customers to address inquiries, provide updates, and resolve issues efficiently.

Documentation & Reporting

• Maintain accurate and organized records of underwriting decisions, customer interactions, and process outcomes.
• Generate regular reports on underwriting metrics and lead validation performance.
• Document trends and findings to provide actionable insights to leadership.

Speed and Efficiency

• Demonstrate a strong sense of urgency and work quickly while maintaining accuracy.
• Strive to process advances within tight timelines, aiming to render decisions within two to three minutes of receiving an application.

About the Client

Our client is a forward-thinking financial services company dedicated to helping small businesses and gig economy workers secure the funding they need to succeed. Through innovative lending solutions and data-driven risk assessment, they bridge the gap between traditional financing and modern work structures. With a customer-first approach, they deliver fast, transparent, and fair financial products tailored to the evolving needs of today's entrepreneurs.

Welcome to Emapta Philippines

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment. Apply now and be part of the #EmaptaEra