Senior Profitability Analyst

3 days ago

Pasig, National Capital Region, Philippines Tonik Full time

Tonik is a transformative digital bank with a mission to revolutionize the way money works. We create better financial products by encouraging inclusivity through simplifying processes, reducing costs, improving transparency and embracing flexibility to empower more people with unique financial needs, on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company.

To further our mission, we are in need of a
Senior Profitability Analyst
to drive
risk-adjusted profitability (RAROC)
across our consumer credit portfolio. This role sits at the intersection of
credit risk, pricing, and portfolio economics
, with a clear mandate:
optimize money in versus money out
.

The successful candidate will focus on
turning risk signals into profitable lending decisions
, ensuring growth is capital-efficient and sustainable.

More specifically:

Responsibilities

1. Profitability & RAROC Optimization

  • Own
    loan-level and segment-level profitability analysis
    , incorporating interest income, fees, funding costs, expected losses, and operating expenses
  • Design and maintain
    RAROC and contribution margin frameworks
    used to guide:
  • Approval cutoffs
  • Risk-based pricing
  • Credit limit management
  • Identify
    negative or sub-optimal RAROC segments
    and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction)
  • Quantify the
    profit impact of strategy changes
    before implementation

2. Portfolio Monitoring & Early Warning

  • Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance
  • Build and maintain
    early-warning indicators
    tied to borrower behavior, macro trends, and policy changes
  • Support stress testing and downside scenario analysis to assess
    earnings and capital sensitivity
  • Translate portfolio performance into
    actionable insights
    for credit and finance leadership

3. Data & Analytics Execution

  • Write and optimize
    BigQuery SQL
    to analyze large-scale lending and performance datasets
  • Use
    statistical tools
    (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting
  • Produce clear, decision-ready analysis that links
    risk metrics directly to financial outcomes
  • Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles

Qualifications

  • 5+ years of experience in
    credit risk, consumer lending, or portfolio analytics
  • Strong hands-on experience with
    BigQuery or similar cloud data warehouses
  • Solid understanding of
    consumer credit economics
    , including:
  • Expected loss mechanics
  • Pricing vs. risk trade-offs
  • Portfolio-level profitability drivers
  • Proven ability to connect analytics to
    real business decisions and financial outcomes

Good-to-Haves

  • FRM certification
    (completed or in progress)
  • Experience working with
    RAROC, economic capital, or capital-constrained growth frameworks
  • Exposure to
    pricing, limit management, or portfolio strategy
    in a consumer lending context
  • Ability to communicate complex analytics clearly to
    senior credit, risk, and finance stakeholders

For further inquiries, don't be shy to email

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