Purpose of the Role Hands-on credit analyst for SME lending in the Philippines. Executes Jia's established credit framework while using judgment, curiosity, and problem-solving skills to assess borrower applications, analyze financials, and propose improvements to how we evaluate risk. Must-Have Skills & Experience 2-5 years in credit risk analysis, financial analysis, or SME lending Strong financial statement analysis skills (P&L, balance sheet, cash flow) Ability to own borrower evaluations end-to-end and make sound credit recommendations Curious, proactive problem-solver who can ask the right questions to uncover key risks Excellent written and spoken English Comfortable working independently in a fast-paced environment Preferred SQL/Python skills to pull and analyze data for underwriting Experience in fintech, alternative lending, or commercial banking Familiarity with credit scoring models/statistical analysis Key Traits Analytical thinker who can adapt framework rules to real-world borrower scenarios Investigative mindset - digs beyond surface-level information to uncover the true credit story Process-oriented but always looking for ways to improve how we approach underwriting Strong communicator who can work closely with sales/ops while driving borrower conversations directly Role Highlights Central to Jia's credit decision-making in the Philippines Opportunity to refine and shape our credit evaluation process Collaborates with global credit leadership while owning PH evaluations Career growth path into senior credit leadership as we scale Show more Show less