Lead Credit risk 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.

Are you our new Lead Credit Risk Analyst?

Working within our dynamic Credit Risk & Decision Science team, this is an exciting opportunity to join Pepper Money, a specialist mortgage lender backed by a global financial institution.

Our passion is to Help People Succeed—for our customers, partners, and colleagues alike. We operate a hybrid working model, with this role based in our Manila office.

What you will be doing

• Support and mentor junior analysts
• Support the Head of Credit Risk in delivering CCRO strategic priorities.
• Develop and enhance management information, reporting, and business intelligence solutions.
• Create interactive dashboards and provide actionable portfolio insights.
• Build, deploy, and monitor analytical models to support business decision-making.
• Deliver ad hoc reporting, business intelligence, and data analysis across the business.

What we are looking for

• Proven experience leading and coaching analysts.
• Strong background in data analytics, visualisation, Predictive modelling and analytics, including Probability of Default (PD), Loss Given Default (LGD), and prepayment forecasting and leveraging credit bureau data for credit risk analytics and decisioning. forecasting, and machine learning.
• Experience with Python, SQL, Power BI, Azure Data Factory, or similar tools.
• Sound knowledge of credit risk and portfolio management within the mortgage industry is desirable.
• Experience within financial services, ideally across multiple business functions.
• Excellent communication, problem-solving, and stakeholder management skills.

Qualifications

• Degree educated or equivalent relevant experience.

• Minimum of 3 years' experience in Credit Risk.

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.