We're looking for a detail-oriented Credit Risk Analyst to help us assess borrower creditworthiness, support loan settlements, and ensure our credit decisions are both sound and compliant. This is a role where your analytical skills directly contribute to real borrower outcomes — helping people get back on solid financial footing.
About usA fast-growing financial technology and advisory firm specializing in distressed consumer credit and subprime segments across the Asia-Pacific region.
What will you do?1. Credit assessment & risk management
- Review bureau reports, bank statements, and KYC documents to evaluate creditworthiness and make sound lending decisions within the company's risk appetite.
2. Loan settlement support
- Assess repayment capacity before settlement, handle all current obligations, secure proof of settlement, and coordinate with legal and credit teams for faster disbursements.
3. Borrower guidance & support
- Guide borrowers through settlement terms and obligations, resolve disputes, and provide financial counseling — with empathy and clarity.
4. Data analysis & reporting
- Track portfolio performance, default trends, and settlement outcomes. Turn data into insights that improve credit and mediation strategies.
5. Cross-functional collaboration
- Work with credit risk, legal, and customer service teams internally, and coordinate with external lenders to ensure smooth loan closures.
Requirements
Qualifications
- Bachelor's degree in Finance, Economics, Business, or a related field
- Minimum 2 years of experience in credit analysis, credit risk, or a closely related role
- Fluent in Tagalog and English (both mandatory)
- Experience in fintech, digital lending, or consumer finance is a strong advantage
- Exposure to subprime or distressed borrower segments is a plus
Skills & tools
- Strong proficiency in Microsoft Excel — financial modeling, data analysis, and reporting
- Comfortable working with CRM tools and financial analysis software
- Solid understanding of credit bureau data, KYC processes, and lending compliance
Who you are
- Analytical and detail-oriented — you catch things others miss
- A clear communicator who can explain complex financial terms to borrowers plainly
- Empathetic but objective — you understand borrowers are under stress without letting it cloud your judgment
- Proactive problem-solver who doesn't wait to be told what to do
- Comfortable working with large datasets and translating them into actionable insights
BenefitsWhat’s in store for you?
- Work on high-impact financial solutions with real customer outcomes
- Clear, performance-based career progression
- Opportunity to move into leadership roles based on results
- Competitive base salary
- Performance-based commission structure
- Accelerator incentives for exceeding targets
- Exposure to a fast-growing fintech environment
- Merit-driven culture with strong earning potential
Skills Required
- Bachelor's degree in Finance, Economics, Business, or a related field
- Minimum 2 years of experience in credit analysis, credit risk, or a closely related role
- Fluent in Tagalog and English
- Experience in fintech, digital lending, or consumer finance
- Exposure to subprime or distressed borrower segments
- Strong proficiency in Microsoft Excel
- Comfortable working with CRM tools and financial analysis software
- Solid understanding of credit bureau data, KYC processes, and lending compliance
What We Do
KAMI Workforce is revolutionizing workforce management by providing innovative HR software solutions and tailored people services that empower companies to maximize their workforce potential. We work closely with our clients to deliver effective workforce solutions that address their unique challenges, harnessing a next-gen HRIS designed to improve efficiency, reduce costs, streamline operations, and boost productivity. Our technology powers our value-added recruitment, remote teams, managed payroll services – delivered with lightning efficiency at lower costs.
