Credit Analyst

This role combines risk analysis, customer engagement, and cross-functional collaboration, offering strong exposure within a fast-growing fintech environment.

Key Responsibilities:

1. Credit Assessment & Risk Management

• Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness, financial health, and compliance with regulatory standards.
• Conduct in-depth financial analysis and risk assessments for loan applications.
• Evaluate loan applications and make informed credit decisions within the company's risk appetite.
• Identify potential risks and recommend mitigation strategies to minimize defaults.

1. Loan Settlement

• Before initiating settlement, assess the borrower's repayment capacity to ensure the total settlement amount is feasible
• Handle settlements for all current obligations of the borrower
• Obtain proof of all settlements from the customer to confirm successful loan closures.
• Assist customers in setting up standing order/direct debit for smooth repayment of consolidated loans.
• Work with internal credit risk and legal teams to ensure faster disbursement of the refinanced loan
• Ensure compliance with regulatory guidelines and company credit policies

1. Customer Assistance & Support:

• Guide borrowers through the loan settlement process, explaining terms and obligations
• Address borrower concerns, resolve disputes, and provide financial counseling where necessary
• Ensure borrowers understand the impact of settlements on their credit profile

1. Data Analysis and Reporting:

• Track and analyze performance, default trends and prepare regular reports on settlements outcomes
• Use Excel and CRM tools to manage and analyze large datasets on risk assessment and loan settlements
• Provide data-driven insights to improve credit analysis and mediation strategies leading to improved success rates

1. Cross-Functional Collaboration:

• Coordinate with credit risk, customer service and legal teams to optimize risk assessment and mediation strategies
• Work closely with external lenders and financial institutions to ensure smooth loan closure

Communicate settlement terms and progress effectively with all stakeholders

Qualifications:

• Education: Minimum Bachelor's degree in related fields.
• Minimum 2 years of experience in Credit Analysis.
• Proficient in Tagalog (Mandatory) and English.
• Strong problem-solving and decision-making abilities.
• Proficiency in MS Office Suite, (particularly Excel), CRM tools, and financial analysis software.