Assistant Manager – Credit Risk & Analytics
Data Analyst Finance / Accounting
Salary
Location
Job Overview And Responsibility
Role Overview As Assistant Manager – Credit Risk & Analytics, you will design, build, and continuously refine the credit decisioning and portfolio risk framework for FLIN’s restructuring and refinancing products. This role combines: ● Credit underwriting ● Risk analytics ● Product thinking ● Portfolio risk management You will operate as a high-ownership individual contributor, with future scope to build and lead the credit function. Core Responsibilities - Credit Framework Design (0→1 Ownership) • Build credit underwriting logic for restructuring + refinancing products from first principles • Define eligibility criteria beyond traditional bureau-led models • Develop risk segmentation frameworks for distressed borrowers • Design approval matrices, cut-offs, and exception handling frameworks • Continuously iterate policies based on real portfolio feedback - Credit Decisioning & Approvals • Evaluate and approve credit applications within defined authority • Handle edge cases where standard underwriting does not apply • Design structured approval logic for multi-loan, high-risk borrowers • Balance growth vs risk with clear decision rationale - Scorecard Development • Perform feature engineering on borrower behavior, repayment patterns, and exposure data • Continuously back-test and recalibrate scorecards - Portfolio Analytics & Risk Monitoring • Own portfolio performance tracking end-to-end • Analyze: Delinquency trends (DPD buckets), Vintage curves, Cohort performance • Build early warning systems for risk deterioration • Identify high-risk segments and recommend corrective actions - Risk-Product Integration and Reporting • Work closely with product and sales teams to ensure credit logic aligns with real-world borrower behavior • Translate portfolio insights into product changes (tenure, pricing, structuring) • Assist in building automated dashboards for: Approval rates, Portfolio performance, Risk segmentation, Funnel conversion vs risk • Own data integrity and reporting accuracy - Individual Ownership → Future Team Build • Initial Phase (0–6 months): Pure individual contributor, own credit decisions end-to-end, build underwriting judgment and portfolio understanding • Future Phase (based on performance): Support the hiring of junior credit analysts, mentor and review underwriting decisions, help build the credit team structure and workflows - Experimentation & Continuous Learning • Run controlled experiments (policy changes, cut-offs, segmentation strategies) • Measure impact on: Approval rates, Default rates, Unit economics • Build a culture of test → learn → iterate - Cross-Functional Collaboration • Work with: Sales, Collections and Financial Literacy, Data, Product and Tech
Required Skills and Experience
- 2 - 4 years in credit risk/analytics in fintech or digital lending startups - Must have worked in a 0→10 stage environment (early-stage or scaling phase) - Hands-on experience in: Credit underwriting, Risk analytics, Portfolio monitoring - Experience in unsecured lending or subprime segments strongly preferred - Advanced Excel / Google Sheets: Scenario modeling, Risk simulations, Complex financial analysis - SQL: Data extraction, Portfolio analysis, Writing complex queries
Why Candidate should apply this position
- Budget: 40,000 - 80,000 PHP per month - Base salary and mandatory remuneration package
Preferred skills and experiences
- Python: Exploratory data analysis, Feature engineering, Basic model building - BI Tools (Power BI / Tableau) Core Competencies ● Strong first-principles thinking ● High ownership and accountability ● Comfort with ambiguity and incomplete data ● Deep analytical curiosity ● Ability to challenge assumptions ● Strong business + risk judgment balance ● Detail-oriented with big-picture thinking
Report to
Head of Risk / Country Lead (PH)
Interview process
HR > Assignment (3-4 days) > Head department interview > CEO
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