186 Banking Risk jobs in the Philippines

Purpose of the Role

Hands-on credit analyst for SME lending in the Philippines. Executes Jia's established credit framework while using judgment, curiosity, and problem-solving skills to assess borrower applications, analyze financials, and propose improvements to how we evaluate risk.

Must-Have Skills & Experience

• 2–5 years in credit risk analysis, financial analysis, or SME lending
• Strong financial statement analysis skills (P&L, balance sheet, cash flow)
• Ability to own borrower evaluations end-to-end and make sound credit recommendations
• Curious, proactive problem-solver who can ask the right questions to uncover key risks
• Excellent written and spoken English
• Comfortable working independently in a fast-paced environment

Preferred

• SQL/Python skills to pull and analyze data for underwriting
• Experience in fintech, alternative lending, or commercial banking
• Familiarity with credit scoring models/statistical analysis

Key Traits

• Analytical thinker who can adapt framework rules to real-world borrower scenarios
• Investigative mindset — digs beyond surface-level information to uncover the true credit story
• Process-oriented but always looking for ways to improve how we approach underwriting
• Strong communicator who can work closely with sales/ops while driving borrower conversations directly

Role Highlights

• Central to Jia's credit decision-making in the Philippines
• Opportunity to refine and shape our credit evaluation process
• Collaborates with global credit leadership while owning PH evaluations
• Career growth path into senior credit leadership as we scale

This position is primarily responsible for assisting the Section Head and Department Head in managing credit risk through identification of risk factors, formulation of credit policies, procedures and manuals for Corporate, Consumer, and other lending segments of the Bank in accordance with regulatory, internal and international best practices, and through the monitoring of regulatory limits and internal management controls and triggers.

Responsibilities:

• Ensures the proper and appropriate issuance of the Bank's credit risk management and operating manuals through the following:
• Prepares (author) and coordinate policies/manuals for implementation
• Reviews and facilitates completion of credit manuals of the business lending units that meet requirements under existing Bank's policy
• Checks/coordinates manuals for publication and archiving
• Prepares management reports on policies/standards issue
• Issues advisories /bulletins
• Ensures that manuals conform with the regular policy review and manage availability of the manuals in the database, as applicable.
• Coordinates the need to regularly update the manuals in the database.
• Identifies policy updates and provide own inputs in the database.
• Reviews risk assessments for products, process changes, and/or exception handling cases, and prepare management report
• Provides support to clients whether internal or external to the Risk Management Office and handle queries/consultations

Qualifications:

• Bachelor's Degree, College Graduate of a Business or Economics course
• At least 3 years of experience in credit or account management or audit.

About the Role

You'll be the go-to expert for fixed-income credit analysis. From structuring asset allocation models to monitoring credit watch lists and advising senior portfolio managers—your insights will directly impact how we invest.

Key Responsibilities

• Advise PMs on credit exposures and asset allocation strategies
• Analyze credit risk and repayment capability of issuers
• Research economic and market trends for investment planning
• Build and maintain obligor database and credit watch lists
• Collaborate with Fixed Income PMs, Traders, and the Dealing Team
• Participate in credit committee and investment group meetings
• Align with AIA Group's credit research frameworks and policies
• Continuously sharpen technical and market awareness

Must-Have Qualifications

• Bachelor's degree in Accountancy, Finance, Economics, or related field
• 6–10 years of relevant credit research/credit analysis experience
• Strong command of credit analysis and corporate finance frameworks
• Proven leadership and stakeholder management skills
• Excellent written and verbal communication skills

Good-to-Have

• CFA, MBA, or TIFP certification
• Background in financial services or insurance investing
• Experience working with global investment teams

Why Join Us

• Influence investment decisions at a regional scale
• Work directly with top-tier PMs, Traders, and the AIA Group
• Be part of the largest life insurer in the Philippines
• Grow your career in a high-impact, visible leadership role

Do you want to take the first step in making Filipinos' lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation G ka ba? Join the G Nation today

Key Responsibilities

• Develop, implement, and refine credit risk policies and methodologies for new client segments and strategic partnerships.
• Provide expert guidance and approvals on credit applications and deal structures.
• Oversee in-depth credit risk analysis of clients, utilizing both traditional and advanced analytical models.
• Act as the primary credit risk liaison, providing timely and actionable risk assessments to the Business Development team.
• Monitor credit quality of newly acquired portfolios, identifying emerging risks and recommending proactive mitigation strategies.

What We Offer
Opportunity for career growth and development in the #1 FinTech company in the country Working with a dynamic and highly collaborative team who want to change the game A company that values their people with highly competitive and flexible compensation and benefits package

Job Summary: Responsible for assisting the Senior Risk Officer in the implementation and continuous enhancement, as appropriate of the credit and operational risk frameworks, policies and tools; and responsible for the measurement, quantification and control of credit and operational risks.

Responsibilities:

• Identify, analyze, measure and control credit risks inherent in the business in close coordination with the business
• Review existing polices and recommend appropriate amendments as necessary, to ensure the policies' soundness, relevance and effectiveness as a toll for managing credit risks while enabling Business Units to attain their business targets
• Review recommended loan/investment proposals to ensure appropriate approval authority
• Coordinate with the relevant business units to ensure that all loan and investment reviews are performed and completed in accordance with polices including the frequency by which they should be conducted
• Ensure the proper maintenance of approved credit limits in related systems as required, including the handling of administrative functions
• Prepare credit risk monitoring reports; direct supervisors' attention to adverse critical information that have been captured by the credit risk report

Do you want to take the first step in making Filipinos' lives better everyday? Here in GCash we want to stay at the forefront of the FinTech industry by creating innovative, meaningful, and convenient financial solutions for the nation G ka ba? Join the G Nation today

ROLES AND RESPONSIBILITIES:

• Perform credit risk management functions on retail lending portfolios

• Recommend policy changes to address portfolio deterioration

• Track performance against benchmark and measure impact of implemented strategies

What We Offer

Opportunity for career growth and development in the #1 FinTech company in the country Working with a dynamic and highly collaborative team who want to change the game A company that values their people with highly competitive and flexible compensation and benefits package

JOIN OUR TEAM
W
e're On a Mission to Bring Sunshine for All

Dole is one of the world's largest producers and marketers of high-quality fresh fruits, with a growing line of quality packaged and frozen foods. Dole's dedication to quality is a commitment solidly backed by: comprehensive programs for food safety, scientific crop protection programs, stringent quality control measures, state-of-the-art production and transportation technologies, continuous improvement through research and innovation, and dedication to the safety of their employees, communities and the environment.

Job Purpose

The
Credit Risk Specialist
supports the Credit Risk Management team in preparing and reviewing customer credit applications, monitoring compliance with approved credit limits, and generating reports to support business decision-making. Operating in a Shared Services/GBS environment, the role ensures accurate execution of credit risk processes in compliance with the Worldwide Credit Risk Management Policy.

This role is staff-level, reporting directly to the Process Manager for Credit Risk Management, and is responsible for day-to-day execution of credit assessments, overdue monitoring, and preparation of credit risk reports using SAP HANA and SAP Fiori.

Principal Duties and Responsibilities

Credit Application Processing

1. Prepare and review customer credit applications for completeness and accuracy.
2. Analyze financial statements, payment history, and external credit data to assess customer risk profile.
3. Generate financial ratios and risk indicators using SAP and other tools to support credit decision-making.
4. Record approved credit limits, expiry dates, and conditions in SAP HANA/Fiori and tracking tools.
5. Ensure timely submission of applications for review and escalation to the Process Manager when needed.

Credit Monitoring & Compliance

1. Monitor compliance with approved credit limits and follow up on renewals prior to expiry.
2. Support overdue and bad debt monitoring by coordinating with AR and Collections teams.
3. Track customer exposures and highlight potential risks to the Process Manager.
4. Maintain portfolio discipline by ensuring alignment with KPIs such as DSO and bad debt ratio.

Reporting & Documentation

1. Prepare and update regular credit risk reports (quarterly portfolio reports, customer risk profiles, overdue accounts).
2. Maintain accurate and complete credit files for audit and compliance purposes.
3. Provide data and analysis to support management reporting, business reviews, and ad hoc requests.
4. Support internal and external audit requirements by preparing and submitting relevant documentation.

Stakeholder & Customer Support

1. Coordinate with Sales and Business Units on customer credit requirements and overdue follow-ups.
2. Provide updates to internal stakeholders on the status of credit applications and renewals.
3. Support external customer interactions related to documentation or clarifications on credit requirements.

Process Improvement & Business Continuity

1. Identify opportunities for efficiency improvements in credit application and reporting processes.
2. Support the execution of business continuity plans in case of operational disruptions.
3. Share feedback with the Process Manager on recurring issues and potential solutions.

Experience and Qualifications Required

Education

• Bachelor's degree in Accounting, Finance, or Business Management.
• Certified Public Accountant (CPA) preferred; MBA is an advantage.

Work Experience

• Minimum 2–4 years of experience in credit risk management, financial risk, or related fields.
• Experience in Shared Services/GBS or multinational companies preferred.
• Familiarity with credit policy compliance, SLA/KPI reporting, and financial statement analysis.

Technical Skills

• Proficient in SAP HANA and SAP Fiori (FI, SD, CO, A/R, Master Data functions).
• Strong MS Office skills, particularly Excel (pivot tables, financial analysis), Word, PowerPoint, and Outlook.
• Knowledge of Order-to-Cash processes, specifically in credit risk management and accounts receivable.

Business Skills

• Strong financial acumen, able to interpret Income Statements, Balance Sheets, and Cash Flows.
• Detail-oriented with high accuracy in preparing credit applications and reports.
• Strong communication skills, able to summarize and present findings clearly.
• Ability to work under pressure and manage tight deadlines in a fast-paced GBS environment.

Other Requirements

• Willing to be based in Davao City.
• Willing to work on mid-shift or graveyard shift schedule to align with global operations.

Company: OneLot Financing Corporation

Location: Makati, Philippines

About OneLot:

OneLot is reimagining the used car financing industry in the Philippines. As a fast-growing startup, we empower used car dealers with accessible financial solutions and an easy-to-use digital platform that helps them succeed. Our mission is simple: to make buying and selling cars faster, easier, and more effective.

Led by a group of experts in lending and startups, and backed by top-tier investors, OneLot is on an exciting path of rapid growth. If you're eager to take the next step in your career, gain valuable experience, and be part of a company that's making an impact, we'd love to have you join us.

You can learn more about OneLot here:

• OneLot Official Site:
• LinkedIn Page:
• Philstar Wheels
• Esquire Feature:

About the Role:

As a Credit Risk Analyst, you will be responsible for assessing and managing the creditworthiness of used car dealers applying for financing with OneLot. Your work will directly impact the quality of our loan portfolio by ensuring that credit decisions are well-informed, data-driven, and aligned with our internal policies and risk standards.

What you will do:

• Collect, review, and analyze business and financial information of used car dealers.
• Perform Know-Your-Customer (KYC) and due diligence checks in line with internal and regulatory policies.
• Conduct research to gather additional information related to a dealer's business, credit standing, and background.
• Evaluate financial data to design tailor-fit credit solutions for each applicant.
• Assess and recommend credit decisions based on the dealer's risk profile.
• Coordinate with other operational teams in activating loans and sending payment reminders to used car dealers.
• Monitor credit performance and provide insights to support strategic credit decisions.

What we will need:

• With at least 1–2 years of experience in credit analysis, risk assessment, or a related field.
• Knowledge of KYC, credit investigation, and due diligence processes.
• Familiarity with financial statements and credit scoring methods.
• Preferably with a degree in Finance, Business Administration, Economics, or a related course.
• Excellent verbal and written communication skills.
• Ability to handle difficult conversations with empathy and professionalism.

About OneLot and Benefits:

At OneLot, we offer a range of benefits to help you excel in your role and support your personal and professional growth. These include:

• Career Acceleration: Join an up-and-coming startup poised for significant growth.
• Collaboration: Work closely with our founders and senior management team, contributing to the company's strategic vision.
• Learning Opportunities: Enjoy a steep learning curve in a creative and dynamic work environment.
• Competitive Salary: We offer a competitive salary package to attract and retain top talent.
• Exciting Earning Potential: Earn an uncapped bonus based on your individual contributions, evaluated alongside company performance and other key factors—rewarding your impact and success.
• HMO Health Insurance: Your health and well-being are important to us, and we provide comprehensive health insurance from day 1.
• Team Culture: Join a cool, dynamic team with a great working culture that values innovation, collaboration, and diversity.

If you are a highly motivated and results-driven professional looking to make a significant impact in the FinTech industry, we invite you to join us on this exciting journey at OneLot.

How to Apply:

To apply for the position at OneLot, click apply Alternatively, you may click here to apply:

OneLot is an equal opportunities employer. We welcome applications from candidates of all backgrounds and experiences.

Company
: OneLot Financing Corporation

Location
: Makati, Philippines

Company
: OneLot Financing Corporation

Location
: Makati, Philippines

About OneLot:

OneLot is reimagining the used car financing industry in the Philippines. As a fast-growing startup, we empower used car dealers with accessible financial solutions and an easy-to-use digital platform that helps them succeed. Our mission is simple: to make buying and selling cars faster, easier, and more effective.

Led by a group of experts in lending and startups, and backed by top-tier investors, OneLot is on an exciting path of rapid growth. If you're eager to take the next step in your career, gain valuable experience, and be part of a company that's making an impact, we'd love to have you join us.

You can learn more about OneLot here:

• OneLot Official Site:
• LinkedIn Page:
• Philstar Wheels
• Esquire Feature:

About the Role:

As a Credit Risk Analyst, you will be responsible for assessing and managing the creditworthiness of used car dealers applying for financing with OneLot. Your work will directly impact the quality of our loan portfolio by ensuring that credit decisions are well-informed, data-driven, and aligned with our internal policies and risk standards.

What you will do:

• Collect, review, and analyze business and financial information of used car dealers.
• Perform Know-Your-Customer (KYC) and due diligence checks in line with internal and regulatory policies.
• Conduct research to gather additional information related to a dealer's business, credit standing, and background.
• Evaluate financial data to design tailor-fit credit solutions for each applicant.
• Assess and recommend credit decisions based on the dealer's risk profile.
• Coordinate with other operational teams in activating loans and sending payment reminders to used car dealers.
• Monitor credit performance and provide insights to support strategic credit decisions.

What we will need:

• With at least 1–2 years of experience in credit analysis, risk assessment, or a related field.
• Knowledge of KYC, credit investigation, and due diligence processes.
• Familiarity with financial statements and credit scoring methods.
• Preferably with a degree in Finance, Business Administration, Economics, or a related course.
• Excellent verbal and written communication skills.
• Ability to handle difficult conversations with empathy and professionalism.

About OneLot and Benefits:

At OneLot, we offer a range of benefits to help you excel in your role and support your personal and professional growth. These include:

• Career Acceleration
  : Join an up-and-coming startup poised for significant growth.
• Collaboration
  : Work closely with our founders and senior management team, contributing to the company's strategic vision.
• Learning Opportunities
  : Enjoy a steep learning curve in a creative and dynamic work environment.
• Competitive Salary
  : We offer a competitive salary package to attract and retain top talent.
• Exciting Earning Potential
  : Earn an uncapped bonus based on your individual contributions, evaluated alongside company performance and other key factors—rewarding your impact and success.
• HMO Health Insurance
  : Your health and well-being are important to us, and we provide comprehensive health insurance from day 1.
• Team Culture
  : Join a cool, dynamic team with a great working culture that values innovation, collaboration, and diversity.

If you are a highly motivated and results-driven professional looking to make a significant impact in the FinTech industry, we invite you to join us on this exciting journey at OneLot.

How to Apply:

To apply for the position at OneLot, click apply Alternatively, you may click here to apply:

OneLot is an equal opportunities employer. We welcome applications from candidates of all backgrounds and experiences.