Senior Profitability Analyst
Philippines - Upsell
As a Senior Profitability Analyst, you’ll turn credit risk signals into clear, data-driven actions—shaping pricing, approval strategies, and portfolio decisions to ensure our consumer credit business grows profitably and sustainably. You’ll sit at the intersection of risk, finance, and analytics, with real ownership over how money comes in versus how money goes out.
Responsibilities
- Profitability & RAROC Optimization
- Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses
- Design and maintain RAROC and contribution margin frameworks used to guide:
- Approval cutoffs
- Risk-based pricing
- Credit limit management
- Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction)
- Quantify the profit impact of strategy changes before implementation
- Portfolio Monitoring & Early Warning
- Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance
- Build and maintain early-warning indicators tied to borrower behavior, macro trends, and policy changes
- Support stress testing and downside scenario analysis to assess earnings and capital sensitivity
- Translate portfolio performance into actionable insights for credit and finance leadership
- Data & Analytics Execution
- Write and optimize BigQuery SQL to analyze large-scale lending and performance datasets
- Use statistical tools (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting
- Produce clear, decision-ready analysis that links risk metrics directly to financial outcomes
- Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles
Qualification
Required Qualifications:
- 5+ years of experience in credit risk, consumer lending, or portfolio analytics
- Strong hands-on experience with BigQuery or similar cloud data warehouses
- Solid understanding of consumer credit economics, including:
- Expected loss mechanics
- Pricing vs. risk trade-offs
- Portfolio-level profitability drivers
- Proven ability to connect analytics to real business decisions and financial outcomes
Preferred Qualifications:
- FRM certification (completed or in progress)
- Experience working with RAROC, economic capital, or capital-constrained growth frameworks
- Exposure to pricing, limit management, or portfolio strategy in a consumer lending context
- Ability to communicate complex analytics clearly to senior credit, risk, and finance stakeholders
Interested? Send us your CV attalentacquisition@tonikbank.com
