184 Credit 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

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.

Job Type: Full-time

Pay: Php25, Php30,000.00 per month

Work Location: In person

The Credit Risk Staff is primarily responsible inreviewing and checking the completeness and sufficiency of information on the application form/increase in credit limit request and the basic documentary requirements.

Responsibilities

• Verifies applicant's name and spouse (if any) versus the office file checking results obtained from the application system for possible duplication and matches on deposits, active loans, and historical loans and adverse records
• Ensures that the information is encoded accurately and completely in the front-end system
• Verifies critical information in Application Form and related documents by conducting interviews with the applicant and third-party sources to establish the applicant's identity and capacity to pay
• Reviews and checks credit bureau result and encode matching information if any.
• Pre-screens applications queued at scoring referral stage and recommends the approval/disapproval of the credit application based on the internal credit score results
• Reviews cardholder's BPI/BFB card profile and conduct verification with the cardholder and/or recommending Unibank Officer, as deemed necessary to client's increase in credit limit request
• Assists in client inquiries, complaints, and feedback regarding status of application or cardholder requests

Qualifications

• Must possess at least Bachelor's/College Degree in Business Studies/Administration/Management/Finance/Accountancy/Banking equivalent
• Fresh graduates are welcome to apply
• Proficient in using Microsoft Office applications

Job Title:
Credit Risk Lead (Assistant Manager – Senior Manager)

Location:
Ortigas

Shift:
Day Shift

Role Overview:

We are seeking a highly skilled
Credit Risk Lead
to oversee credit risk strategy and policies. The successful candidate will collaborate with teams across the organization to ensure the effective implementation of risk policies, supporting responsible and sustainable lending practices.

Key Responsibilities:

• Develop, implement, and maintain credit risk policies in alignment with organizational objectives.
• Lead initiatives related to sustainable finance and ESG risk considerations.
• Provide guidance on unsecured retail lending, payroll lending, and SME lending risk frameworks.
• Collaborate with cross-functional teams to ensure compliance and risk mitigation strategies are embedded in business processes.
• Monitor emerging risks and industry trends to inform strategic decision-making.

Technical Skills & Qualifications:

• Proven expertise in
  Credit Risk Management
  within financial institutions or fintech companies.
• Strong understanding of
  Sustainable Finance
  and
  ESG Risk
  practices.
• Experience in
  Unsecured Retail Lending, Payroll Lending, and SME Lending
  .
• Additional qualifications such as
  MBA, CFA, or CPA
  are highly desirable.
• 7 to 10 years
  of professional experience in credit risk management.
• In-depth knowledge of ESG and Sustainable Finance topics.

Why This Role is Exciting:

• Lead the credit risk strategy in a dynamic and innovative banking environment.
• Collaborate with cross-functional teams on impactful ESG and sustainable finance initiatives.
• Opportunity for professional growth and development in a rapidly evolving financial landscape.

JOB SUMMARY

• Assists the Credit Risk Officer in the oversight of credit risk through the use of credit risk management tools to identify, measure, monitor, and control credit risk.

QUALIFICATIONS

• Bachelor's Degree: Graduate of any Business Course; Preferably CPA; and
• At least three to five (3-5) years in credit risk management.

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.

JOB SUMMARY

• Assists the Credit Risk Officer in the oversight of credit risk through the use of credit risk management tools to identify, measure, monitor, and control credit risk.

QUALIFICATIONS

• Bachelor's Degree: Graduate of any Business Course; Preferably CPA; and
• At least three to five (3-5) years in credit risk management.

Credit Risk Officer
Role Overview and Purpose: Credit Risk Management will be responsible for managing the risk of Pearson's Accounts Receivable in all Global Business Service locations, including country risk, account risk via credit lines and risk classifications as well as bad debt losses and the monitoring of bankrupt customers.

Key Deliverables

• Supports in driving overall risk management principles throughout all portfolios
• Identify potential risk, issues that need escalation and escalates them promptly
• Assist in managing Pearson's bad debt provision entails report generation and ensuring its accuracy and adherence to the guidelines
• Ensure on-time and accurate reporting, documentation, filling and storage, and submission of all relevant reports
• Coordinate with the management and Internal/external audit to resolve risk management, audit requirements and control issues.
• Analyze macroeconomics, economic activity, and the creditworthiness of customers. Includes analyzing relevant industry and financial condition of borrowers, the risk factors and prepare mitigating suggestions
• Identify financial risks to Pearson based on the financial profile and payment capacity of the customer
• Prepare and submit credit assessment report to the approver, recommend and or adjust limits based on the results based on the analysis of the financial situation and gathered information
• Review Credit limits and internal rating of existing customers
• Other works / reports assigned by the Credit Risk Manager
• At least 2 years' experience in Finance, preferably directly in the Order-to-Cash function and specifically in credit risk management
• Knowledge in basic industry research capabilities, including risk and key drivers
• Capable of writing comprehensive and in-depth credit assessment report
• Ability to identify key drivers for change and process improvements
• Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Efficient judgement and informed decision-making skills
• Good knowledge of audit and SOX compliance
• Highly proficient in reporting tools such as excel

Who We Are
At Pearson, our purpose is simple: to help people realize the life they imagine through learning. We believe that every learning opportunity is a chance for a personal breakthrough. We are the world's lifelong learning company. For us, learning isn't just what we do. It's who we are. To learn more: We are Pearson.

Pearson is an Equal Opportunity Employer and a member of E-Verify. Employment decisions are based on qualifications, merit and business need. Qualified applicants will receive consideration for employment without regard to race, ethnicity, color, religion, sex, sexual orientation, gender identity, gender expression, age, national origin, protected veteran status, disability status or any other group protected by law. We actively seek qualified candidates who are protected veterans and individuals with disabilities as defined under VEVRAA and Section 503 of the Rehabilitation Act.

If you are an individual with a disability and are unable or limited in your ability to use or access our career site as a result of your disability, you may request reasonable accommodations by emailing

Job:
Finance

Job Family:
FINANCE

Organization:
Corporate Finance

Schedule:
FULL_TIME

Workplace Type:
Hybrid

Req ID:
19581

About the Role

At UNO Digital Bank, we're building a future-ready financial ecosystem designed for speed, simplicity, and security. As a
Credit Risk Officer
, you will be at the forefront of safeguarding our loan portfolio through proactive credit risk monitoring, model validation, and regulatory compliance. This role is key in ensuring that UNO's credit risk framework remains robust, data-driven, and aligned with both internal policies and regulatory standards.

Responsibilities:

• Portfolio Monitoring
  : Regularly monitor loan portfolio to evaluate compliance with regulatory requirements, credit limits, and bank policies—ensuring exposures remain within risk appetite.
• ECL Model Validation
  : Conduct independent validation of Expected Credit Loss (ECL) models including PD, LGD, EAD, and macroeconomic overlays. Assess assumptions, data quality, segmentation, and calibration.
• Backtesting & Benchmarking
  : Compare ECL outputs against actual loss outcomes, and review forward-looking scenarios and overlays for accuracy.
• Loan Impairment Testing
  : Perform impairment analysis for individual accounts, factoring in probability of default, collateral, and cash flow projections to validate adequacy of reserves.
• NPL Monitoring
  : Track non-performing loans, identify red flags, and recommend improvements to credit policies.
• Deviation Review
  : Monitor approved deviations from credit standards and highlight risks to management.
• Capital Adequacy Support
  : Assist in ICAAP requirements by assessing exposures and capital needs to safeguard against potential credit losses.
• Stress Testing
  : Conduct credit stress testing to identify concentrations and vulnerabilities across loan portfolios.
• Model Validation
  : Validate credit scoring models using statistical methods to ensure reliable credit decision-making.
• Other Functions
  : Perform additional risk-related tasks as assigned.

Qualifications:

• Bachelor's degree in
  Business Administration, Information Technology, Economics, or related field
  .
• Strong analytical and quantitative skills with knowledge of credit risk management practices.
• Familiarity with regulatory requirements and model validation techniques is a plus.
• Excellent attention to detail, problem-solving skills, and ability to work cross-functionally.