Assistant Manager - Credit & Analytics

Who are we seeking?

A hands-on credit and risk professional who has experience building or scaling credit frameworks in early-stage fintech environments.

This is not a maintenance or purely policy-driven role. We are looking for someone who can:

• Build credit systems from scratch
• Work in ambiguity with incomplete data
• Continuously refine underwriting based on real portfolio behavior
• Balance growth and risk using data-driven judgment

You should be comfortable operating in a 0→10 environment, where underwriting is not static — it evolves with the portfolio.

About us

A fast-growing financial technology and advisory firm specializing in distressed consumer credit and subprime segments across the Asia-Pacific region.

In the Philippines, the company delivers structured financial solutions

including:

• Debt Restructuring
• Loan Consolidation
• Refinancing Programs
• Mediation & Negotiation Advisory

Their mission is to help financially distressed borrowers transition into sustainable repayment programs through disciplined, results-driven advisory sales.

What will you do?

You will own the credit logic and risk framework behind FLIN’s restructuring

and refinancing products. This includes underwriting, analytics, portfolio

monitoring, and continuous optimization of credit policies.

1. Credit Framework Design (0→1 Ownership)

• Build underwriting frameworks from first principles for restructuring and refinancing products
• Define eligibility criteria beyond bureau-based models
• Create risk segmentation and approval matrices
• Design exception handling and policy rules
• Continuously refine frameworks based on live portfolio behavior

👉 You are building the system, not just following it.

2. Credit Decisioning & Approvals

• Evaluate and approve credit applications within defined authority
• Handle edge cases and complex borrower profiles
• Apply structured judgment balancing growth and risk
• Ensure quality of approvals over volume

3. Scorecard & Model Development

• Develop and refine credit scorecards using structured and alternative data
• Perform feature engineering on behavioral and repayment data
• Back-test and recalibrate models based on performance
• Work with bureau, bank, and digital data sources

4. Portfolio Analytics & Risk Monitoring

• Own portfolio performance tracking end-to-end
• Analyze delinquency trends (DPD), vintage curves, and cohort behavior
• Build early warning systems for risk deterioration
• Identify high-risk segments and recommend interventions

👉 Focus is proactive risk control, not reactive reporting.

5. Risk–Product Integration & Reporting

• Collaborate with product and sales to align underwriting with real borrower behavior
• Translate insights into product adjustments (tenure, pricing, structuring)
• Build and maintain dashboards for:
• Approval rates
• Portfolio performance
• Risk segmentation
• Funnel vs risk insights
• Ensure data accuracy and reporting integrity

6. Experimentation & Continuous Improvement

• Run controlled experiments on policies, cut-offs, and segmentation
• Measure impact on:
• Approval rates
• Default rates
• Unit economics
• Iterate frameworks based on outcomes

7. Cross-Functional Collaboration

• Work closely with:
• Sales (borrower insights)
• Collections (default patterns)
• Data (data quality & pipelines)
• Product & Tech (decision systems)
• Bridge the gap between underwriting assumptions and real-world behavior

8. Growth & Leadership Potential

Initial Phase (0–6 months):

• Individual contributor owning underwriting decisions and frameworks

Future Phase (based on performance):

• Support hiring and mentoring junior analysts
• Help build credit team structure and workflows
• Transition into a leadership role within the risk function

Leadership is earned through decision quality and portfolio outcomes.

Requirements

Hard skills

Mandatory:

• Advanced Excel / Google Sheets
• Scenario modeling
• Risk simulations
• Complex financial analysis
• SQL
• Data extraction
• Portfolio analysis
• Writing complex queries

Preferred:

• Python
• Exploratory data analysis
• Feature engineering
• Basic model building
• BI Tools (Power BI / Tableau)

Soft Skills

• Strong first-principles thinking with the ability to break down complex problems into logical components
• High ownership and accountability, with a proactive approach to driving outcomes
• Comfort operating in ambiguity and making decisions with incomplete or evolving data
• Deep analytical curiosity with a strong desire to understand patterns, drivers, and root causes
• Confidence in challenging assumptions and validating ideas with data
• Strong balance of business judgment and risk awareness when making decisions
• Detail-oriented mindset while maintaining a clear view of the bigger picture
• Hands-on, execution-driven approach with a preference for building and analyzing over purely following processes

Experience

• 4–7 years of experience (Must) in credit risk, underwriting, or risk analytics
• Hands-on experience in:
• Credit underwriting and decisioning
• Portfolio monitoring (DPD, vintage, cohort analysis)
• Risk analytics and reporting
• Scorecard or credit model development
• Experience working in fintech, digital lending, or early-stage/scaling environments (0→10) (Must)
• Exposure to unsecured lending or subprime segments (strongly preferred)

Benefits

What’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

Remuneration

• Competitive base salary
• Performance-based commission structure
• Accelerator incentives for exceeding targets

Benefits

• Exposure to a fast-growing fintech environment
• Merit-driven culture with strong earning potential