Portfolio & Credit Risk Management Analyst

✨ Innovate with SAVii: Empowering Change Through Technology! 🌍
About SAViiAt SAVii, we’re on a mission to transform the employee wellness landscape. Since our founding in 2017 as SAVii PH, we’ve been reimagining how employee benefits work by offering 360° salary-linked wellness services in emerging markets like the Philippines and India. Our platform empowers HR leaders to support their teams’ financial wellness in innovative and tech-driven ways. We’re now expanding, and we’re looking for technical experts to join us and help drive innovation in the employee wellness space. 🚀
Are you ready to build the future of wellness with cutting-edge technology? 💡
Our Culture: Empowering Innovators to ThriveAt SAVii, we believe that technology is a key driver of our mission. We’re a remote-first company that thrives on flexibility, allowing our technical teams the freedom to work from anywhere while delivering high-impact results. Whether you’re building innovative solutions or solving complex problems, we give you the autonomy to create and innovate.
We foster a culture of continuous learning, collaboration, and problem-solving. Every technical team member has the opportunity to bring fresh ideas to the table and play a pivotal role in delivering transformative solutions. Together, we move fast, innovate even faster, and build solutions that will impact lives. 🌍
At SAVii, technical excellence and agility are our core strengths. We embrace a mindset of experimentation and iteration, where you can push boundaries, explore new technologies, and grow alongside a team of brilliant innovators. 💫
RoleAs an integral member of our Portfolio & Credit Risk teams, the Portfolio analyst is responsible for designing, developing, and implementing data-driven strategies and analytical frameworks to support business growth and risk management. This role requires a deep understanding of data analytics, credit risk, portfolio management, and business intelligence, ensuring alignment between data-driven insights and financial strategies.

Your Impact: What You’ll Do

• Implement credit risk policies and acquisition strategies for Salary Lending and new products while ensuring compliance and risk optimization.
• Design, test, and execute credit strategies, pricing policies, and portfolio management frameworks to drive profitability and mitigate risk.
• Monitor portfolio performance, underwriting operations, and key risk indicators (KPIs) to enable proactive decision-making.
• Conducted data-driven analysis and collaborated with data engineering to enhance BI tools, core data sets, and risk assessment capabilities.
• Partner with Data & Analytics to develop advanced Credit Algorithms, predictive models, and research insights on portfolio risk and industry trends.
• Lead and collaborate on cross-functional projects on risk management, profitability, and process optimization.
• This role is ideal for a strategic thinker with strong expertise in credit risk, data science, business intelligence, and financial analytics—someone who can bridge the gap between risk management and data-driven decision-making to drive business success.

Day-to-day Activities

• 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 improving 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 design and implement reports and performance measurement dashboards
• You help steer business decisions by sharing actionable, data-backed insights with key stakeholders.

What We’re Looking For: Skills & Experience

• Bachelor's degree (preferably in a field such as Economics, Finance, Mathematics, or Statistics) and a 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 Workspace or Microsoft Suite (Word, Excel, PowerPoint, etc)
• Knowledge of Python, SQL, or similar data analysis tools
• Strong communication and negotiation skills, with an inquisitive and analytical mindset
• Highly detail-oriented, collaborative, and focused on delivering accurate and timely outputs