Sr. Portfolio Analyst

✨ Be Part of SAVii: Empowering Change & Transforming Lives! 🌍 About SAVii At SAVii, we’re on a mission to revolutionize the employee wellness landscape. Since our founding in 2017 as SAVii PH, we’ve been changing the way employee benefits work by providing 360° salary-linked wellness services in emerging markets like the Philippines and India. Our platform empowers HR leaders to support their teams’ financial wellness, both personally and professionally. As the leaders in the Philippines, we’re now expanding, and we’re looking for passionate individuals to join us! 🚀 Are you ready to be part of something that’s changing lives? 💡 Our Culture: Empowering You to Thrive At SAVii, people are at the heart of everything we do. We believe in the power of individuality and the strength of a team that values each person's unique perspective. As a remote-first organization, we trust you to work where you’re most productive and happiest. We’re all about flexibility and work-life harmony, so you can focus on what matters most, whether that’s your career growth or personal well-being. 💡 We foster a culture of collaboration, respect, and continuous growth, where every voice is heard and every idea is valued. We know that our success comes from embracing diversity, and we welcome all the different backgrounds, talents, and experiences that each team member brings. Together, we’re not just achieving goals—we’re transforming lives and making a meaningful impact every day. 🌍 We work fast, execute faster, and challenge ourselves to constantly evolve. SAViiers are encouraged to take bold steps, learn from every experience, and push the limits of what's possible. Bring your whole self to work, because we believe that’s how the best ideas happen and how we’ll continue to lead in the employee wellness space. 💫 Your Impact: What You’ll Do

In this role, you will have the unique opportunity to witness the growth of SAVii and your professional career as the team embarks on this new journey across all aspects of the Portfolio growth and credit risk framework, from data integrity to system reporting and risk/capital methodologies.

Ensures that credit risk management policies and procedures for SAVii are properly and promptly implemented.

Drive the design, testing, and implementation of credit strategies to achieve business goals

Drive consumer-oriented policies for current and new products (BTC)

Design risk client acquisition policies to help manage overall risk in our Salary Lending portfolio (BTB)

Test and maintain pricing policies to ensure appropriate profitability of the loan book  

Monitors portfolio and ensures that it is performing within set KPIs

Performs and owns tasks (credit strategy and portfolio growth, credit underwriting/operations process, etc.) 

Collaborates closely with the Data & Analytics team in developing cutting-edge Credit Algorithms/Models and reports.

Lead or collaborate on special projects in support of other teams related to risk and profitability

Lead research initiatives to investigate the credit portfolio’s risk composition ahead of industry risk migrations, name-specific credit migrations, or potential unknown events

Build and maintain a portfolio management framework.

Guide the juniors on the above. 

You closely monitor the portfolio.

You do analyses, deep dives, etc., on the portfolio, be it relevant to optimization (opportunities) or investigation of noted changes in portfolio behavior (risks), using data segmentation techniques such as Python, SQL, Google Sheets, etc.

You work on developing and improvising the core credit framework. You assist in developing and implementing data collection, data analytics, and other strategies to analyze statistical efficiency and guide decision-making.

You work with data scientists and other functions to dive deep into core credit issues and prioritize business and information needs.

You establish measurements to analyze credit model performance, uncover insights, and discern targeted improvement areas.

You monitor credit performance metrics to identify issues, new and innovative credit processes, feature improvements, and business growth opportunities.

You can articulate and effectively conceptualize analysis for various stakeholders.

You design and implement reports and performance measurement dashboards

You write and update credit risk policies.

You can perform/participate in business-related tasks/projects as assigned.

What We’re Looking For: Skills & Experience

Bachelor's degree (preferably in a field such as Economics, Finance, Mathematics, or Statistics)

Minimum of 2 years experience in banking, credit risk or portfolio management

Strong financial analysis, underwriting, risk assessment, and risk mitigation skills

Proficient in Google or Microsoft Suite (Word, Excel, PowerPoint, etc)

Knowledge of Python, SQL, or similar data analysis tools

An inquisitive nature and strong communication and negotiation skills are required to obtain business requirements and approvals from various stakeholders effectively

Detailed orientation, good interpersonal skills, accuracy, focus, and teamwork are required. 

Accuracy in analysis and the timely achievement of goals is crucial to success in this role.