Managing credit admission strategies for individual credit cards and loans with a focus on client needs. Overseeing risks and developing leadership within multidisciplinary teams at BBVA.
About the role
- Risk Operations Analyst evaluating creditworthiness and risk profiles for SME loans at fintech company. Participating in credit analysis, risk assessment, and lending operations.
Responsibilities
- Evaluate the creditworthiness of SME loan applicants by analyzing financial statements, credit reports, and other relevant information
- Assess the risk profiles of applicants, identifying potential risks and mitigating factors
- Conduct comprehensive due diligence on borrowers to ensure compliance with regulatory requirements and company policies
- Collaborate with cross-functional teams to gather information and develop a comprehensive understanding of borrowers' businesses and financial positions
- Prepare credit assessments and recommendations for loan approvals or declines, based on sound judgment and adherence to credit policies
- Maintain accurate and up-to-date records of loan applications and credit decisions
- Continuously monitor and review the credit quality of existing borrowers
- Contribute to the development and enhancement of credit underwriting processes and systems
Requirements
- **Essential: **Bachelor's degree in Business, Finance, Accounting, Economics, or a related field
- Excellent analytical skills with the ability to interpret financial statements and assess creditworthiness
- Strong attention to detail and the ability to handle multiple tasks in a fast-paced environment
- Excellent communication and interpersonal skills, with the ability to work collaboratively
- Strong problem-solving skills and the ability to make sound decisions
- Proficient in Microsoft Excel and other MS Office applications
- Ability to work independently and meet tight deadlines
- Desire to learn and develop a career in credit underwriting and risk assessment
Benefits
- PHP 25-30k per month depending on experience level, plus bonus incentives for strong performance
- Highly competitive perks & benefits, including HMO coverage from day one, free catered lunches, MacBook Air provided, monthly fitness allowance, transportation & accommodation allowance, and more
- Hybrid work set-up: 2 days per week in BGC office
- Join a team with a deeply collaborative culture - expect support, feedback and friendship
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