Hybrid Risk Operations Analyst, Business Fresh Graduates 2026

Posted 1 hour ago

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About the role

  • Risk Operations Analyst evaluating creditworthiness and risk profiles for SME loans at fintech company. Participating in credit analysis, risk assessment, and lending operations.

Responsibilities

  • Evaluate the creditworthiness of SME loan applicants by analyzing financial statements, credit reports, and other relevant information
  • Assess the risk profiles of applicants, identifying potential risks and mitigating factors
  • Conduct comprehensive due diligence on borrowers to ensure compliance with regulatory requirements and company policies
  • Collaborate with cross-functional teams to gather information and develop a comprehensive understanding of borrowers' businesses and financial positions
  • Prepare credit assessments and recommendations for loan approvals or declines, based on sound judgment and adherence to credit policies
  • Maintain accurate and up-to-date records of loan applications and credit decisions
  • Continuously monitor and review the credit quality of existing borrowers
  • Contribute to the development and enhancement of credit underwriting processes and systems

Requirements

  • **Essential: **Bachelor's degree in Business, Finance, Accounting, Economics, or a related field
  • Excellent analytical skills with the ability to interpret financial statements and assess creditworthiness
  • Strong attention to detail and the ability to handle multiple tasks in a fast-paced environment
  • Excellent communication and interpersonal skills, with the ability to work collaboratively
  • Strong problem-solving skills and the ability to make sound decisions
  • Proficient in Microsoft Excel and other MS Office applications
  • Ability to work independently and meet tight deadlines
  • Desire to learn and develop a career in credit underwriting and risk assessment

Benefits

  • PHP 25-30k per month depending on experience level, plus bonus incentives for strong performance
  • Highly competitive perks & benefits, including HMO coverage from day one, free catered lunches, MacBook Air provided, monthly fitness allowance, transportation & accommodation allowance, and more
  • Hybrid work set-up: 2 days per week in BGC office
  • Join a team with a deeply collaborative culture - expect support, feedback and friendship

Job title

Risk Operations Analyst, Business Fresh Graduates 2026

Job type

Experience level

Entry level

Salary

₱25,000 - ₱30,000 per month

Degree requirement

Bachelor's Degree

Location requirements

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