Risk and Data Analyst

Location: BGC, Taguig

Shift pattern: Mid-shift – 4pm MNL to 1am MNL

Working Model: Hybrid, 3 days in the office and 2 days working from home.

Working in our dynamic, successful Credit Risk team there has never been a better time to join Pepper Money, a specialist mortgage lenderbacked by a global financial institution offering first and second charge loans.

We really do believe that its our people who are our main competitive advantage – the thing that sets us apart from our competitors.

Our passion is to Help People Succeed. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues.

We operate a hybrid working model, with a split of days being in the office and days being worked at home. Pepper Money has three offices across the UK and one office in Manila, where this role will be based.

What you will be doing

As our Risk & Data Analyst, you will play a key role in transforming data into meaningful insights that drive smarter, faster and more informed decision making across the business. You will support credit risk portfolio monitoring, build analytical models, and develop high quality dashboards and reporting that enable the organisation to understand trends, risks and opportunities. Working with stakeholders across the business, you will combine technical skill with commercial thinking to strengthen our risk and data capabilities.

Key Responsibilities

• Use and develop MI to monitor credit risk performance and highlight trends, strengths and weaknesses across portfolios.

• Provide regular insights into portfolio changes, ensuring decisions are well informed and data driven.

• Develop predictive and analytical models that enhance decision making speed and quality.

• Build, deploy and maintain analytical models, ensuring they remain relevant and are accessible to the teams who use them.

• Create real time interactive dashboards and business intelligence outputs to support timely decision making.

• Produce ad hoc reporting, data analysis and process documentation to support consistent and accurate use of analytics.

• Maintain high coding standards and analytical discipline across all data related work.

• Ensure compliance with risk governance, internal controls and the firms risk appetite.

• Support ESG, DE&I and wellbeing initiatives and contribute to a strong performance led culture.

What we are looking for

We are looking for a numerate, analytical and commercially minded individual with a passion for data and problem solving. Youll bring technical capability in analytics, strong communication skills and the ability to turn complex data into clear, actionable insights. Youll thrive in a collaborative environment, enjoy continuous learning and have a keen interest in financial services and credit risk.

Skills, Knowledge & Experience

• Experience in data and analytics, including visualisation, dashboarding, predictive modelling, forecasting and machine learning

• Hands on use of analytical tools/programming languages such as Python, SQL, Power BI and Azure Data Factory

• Exposure to financial services with understanding of credit products and commercial drivers (desirable)

• Awareness of external data sources such as credit bureau data (desirable)

• Strong logical, numerate and strategic thinking with sound commercial judgement

• Clear written, verbal and visual communicator able to present compelling insights

• High attention to detail with strong problem-solving ability

• Self-motivated learner with curiosity to grow technical and industry knowledge

• Degree educated

Some of the benefits we provide are:

• Competitive salaries and bonus schemes

• Hybrid home/office working arrangements

• Regular training and opportunities to learn and grow

• Holiday leave plus bank holidays

• Medical insurance cover

• Life insurance

• Health and wellbeing support

In return for your commitment, youll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then wed love to hear from you.

We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.