Credit Analyst at Payreto

Makati, Metro Manila, Philippines -

Full Time

Start Date

Immediate

Expiry Date

18 Sep, 26

Salary

0.0

Posted On

20 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Risk Underwriting, Debt Settlement, Financial Analysis, Loan Refinancing, KYC Documentation, Risk Profiling, Data Analytics, Excel Modeling, CRM Architecture, Customer Counseling, Regulatory Compliance, Stakeholder Management, Portfolio Management, Financial Risk Assessment, Debt Consolidation

Industry

Financial Services

Description

Position Overview The Credit Analyst is responsible for conducting robust financial risk assessments and managing debt settlement operations to achieve minimized default rates and sustainable loan refinancing outcomes by delivering empathetic customer guidance and data-driven credit insights. Operating with a senior level of execution, this role ensures all loan evaluations and settlement structures align perfectly with the company's risk appetite and regulatory frameworks. WHAT WILL YOU DO? 1. Credit Assessment & Risk Management Evaluate borrower creditworthiness by performing deep-dive analyses on credit bureau reports, bank statements, and KYC documentation. Conduct detailed financial analysis and risk profiling for loan applications to determine capacity and alignment with internal credit policies. Formulate independent, well-reasoned credit decisions within approved authority thresholds to balance business growth with portfolio safety. Identify early-warning default indicators and recommend structural mitigation strategies to safeguard the company’s capital. 2. Debt Settlement & Refinancing Operations Assess borrower repayment capacities rigorously prior to restructuring to ensure the long-term feasibility of the consolidated settlement structure. Execute end-to-end settlement processing for current liabilities, ensuring full accuracy in the consolidation of multiple obligations. Validate and secure undisputed proof of loan closures from third-party lenders to maintain audit-ready financial records. Facilitate direct debit and standing order configuration for borrowers to optimize repayment consistency and prevent collection bottlenecks. Partner cross-functionally with legal and internal risk teams to accelerate turnaround times for refinanced loan disbursements. 3. Empathetic Customer Assistance & Counseling Guide borrowers transparently through complex loan settlement phases, clarifying structural milestones, obligations, and timelines. Resolve borrower disputes and grievances using advanced interpersonal sensitivity, turning highly stressed interactions into solution-driven touchpoints. Provide proactive financial counseling, ensuring borrowers fully comprehend the positive long-term impact of compliant settlements on their credit profiles. 4. Risk Data Analytics & Reporting Track and analyze settlement outcomes, portfolio repayment behaviors, and default trends using advanced Excel models and CRM architectures. Manage large, complex credit datasets with rigid adherence to data hygiene and data privacy standards. Generate data-driven insights and diagnostic reporting to consistently refine credit analysis and settlement mediation protocols. 5. Cross-Functional Collaboration & External Relations Align risk and customer retention strategies by collaborating smoothly with internal Customer Support, Risk Management, and Legal pillars. Manage formal communications and transactional closure sequences with external lenders and financial institutions to ensure zero-friction loan buyouts. Communicate settlement variables, structural progress, and compliance updates transparently to all key stakeholders. CORE COMPETENCIES Risk Underwriting Precision: Ability to accurately evaluate financial creditworthiness and formulate sound lending decisions within defined risk thresholds. Settlement & Restructuring Execution: Strong focus on building financially feasible multi-lender loan consolidations and securing undisputed debt closures. Stakeholder & External Collaboration: Effectively coordinates with internal risk, legal, and customer care pillars alongside external financial institutions. Portfolio Risk Analytics: Uses financial datasets and repayment trend metrics to optimize underwriting models and improve mediation outcomes. Compliance & Operational Rigor: Strict adherence to local lending regulations, internal credit policies, and structured data privacy standards. Empathetic Service Delivery: Strong commitment to guiding financially distressed borrowers through complex settlement phases with interpersonal sensitivity and clarity. WHAT SHOULD YOU HAVE? Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a heavily quantitative discipline. Minimum of 2 years of proven experience in credit analysis, underwriting, or credit risk management within the banking, FinTech, or lending sectors. Native/Fluent proficiency in Tagalog (Mandatory) and high professional proficiency in English Project Management: Managing end-to-end HR and People Support initiatives. HR Operations & Service Delivery: Experience in workplace support, engagement programs, and administrative processes. Process Improvement: Developing SOPs, workflows, and scalable service models. Data Analysis & Reporting: Tracking service metrics and generating insights for improvement. Systems & Tools: Exposure to HR systems, ticketing tools, or workflow automation is an advantage. Cross-functional Coordination: Strong collaboration across HR, Finance, IT, and Operations. Integrity & Low Opportunism (Dark Traits Baseline): Rigid alignment with corporate ethics, treating data protection and client transparency as a non-negotiable professional baseline. Accountability & Ownership: Takes absolute accountability for independent credit decisions and the seamless execution of multi-lender loan settlements. Risk-Minded Thinking: Aligns credit underwriting, financial assessments, and restructuring strategies with the company's risk appetite and regulatory guidelines. Problem-Solving: Proactively detects early warning signs of portfolio defaults and resolves complex bottlenecks in borrower repayment pipelines. Adaptability: Manages a high volume of conflicting loan portfolios and cross-functional tasks in a fast-paced, time-sensitive environment. Empathy & Customer-Centric Mindset: Focused on guiding financially distressed borrowers through debt consolidation with high interpersonal sensitivity and clarity.

Responsibilities

The Credit Analyst conducts financial risk assessments and manages debt settlement operations to minimize default rates. The role involves evaluating borrower creditworthiness and providing empathetic guidance to clients through loan restructuring processes.