Senior Credit Analyst, Cashalo
Share
Job Location:
Manila - Philippines
Monthly Salary:
Not Disclosed
Posted on:
8 hours ago
Vacancies:
1 Vacancy
Job Summary
Join the Tilt team
At Tilt we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores using over 250 real-time financial signals to recognize real potential. With millions of customers worldwide were not just changing how people access financial products were creating a new credit system that backs the working whatever theyre working toward.
The Opportunity: Senior Credit Analyst Cashalo
Cashalo Tilts consumer lending business in the Philippines is looking for a Senior Credit Analyst to own credit policy development portfolio performance monitoring and analytical execution. This is a hands-on individual contributor role sitting within a lean high-ownership credit team working closely with Data Science and cross-functional partners to drive credit decisions that maximise customer lifetime value.
If youre analytically rigorous commercially minded and excited about applying a differentiated LTV--driven credit philosophy in a fast-growing fintech this role is for you.
Unless youre based in Manila this role will require travel 4-6 times/year.
How Youll Make an Impact
Develop new credit policies and regularly review and update existing ones to support Cashalos Philippine lending business; partner with the technology team to implement and rigorously test policy changes
Monitor portfolio performance end-to-end tracking loss rates portfolio fluctuations and key credit metrics and benchmark against industry standards
Collaborate closely with the Data Science team to influence and use models that solve business problems monitor business outcomes and enhance analytical tools; challenge assumptions and ask the right questions not just consume outputs
Apply Tilts LTV-driven credit framework to evaluate credit decisions rather than relying solely on loss-rate or AUM-driven approaches
Conduct exploratory data analysis to uncover trends and actionable insights and communicate findings clearly to stakeholders across Credit Product Engineering and Finance
Partner with international credit and data science teams to identify transferable learnings strategies and synergies across Tilts global markets
Why Youre a Great Fit
46 years of experience in credit risk data analytics or consumer/unsecured lending
Strong SQL skills (essential); Python proficiency a plus
Experience developing implementing and monitoring credit policies end-to-end
Familiarity with LTV/NPV-style credit frameworks
Demonstrated ability to own analysis independently not just support it
Strong problem-solving skills and the ability to translate analytical findings into clear business recommendations
Comfortable working in fast-paced unstructured environments with limited guardrails
Our Interview Process
Recruiter Screen A conversation to learn about your experience what youre looking for in your next role and an intro to Tilt and Cashalo.
Hiring Manager Interview Live Case A deeper discussion about your background and approach including a hands-on SQL/analytical problem.
Virtual Onsite Meet with members of the Credit and Data Science teams to discuss your expertise through real-world scenarios.
Leadership Conversation A final conversation with our senior leadership team to discuss mission alignment and how we can help you grow.
Dont meet every qualification We care about potential over your past. If youre bringing ambition and drive to what were building we want to hear from you.
What youll get at Tilt
Virtual-first teamwork: The Tilt team is collaborating across 14 countries 12 time zones and counting. Youll get started with a WFH office reimbursement.
Competitive pay: Were big on potential and its reflected in our competitive compensation packages and generous equity.
Complete support: Find flexible health plans at every premium level and substantial subsidies that stand up to global standards.
Visibility is yours: You can count on direct exposure to our leadership team were a team where good ideas travel quickly.
Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (Weve visited Vail San Diego and Mexico City to name a few.)
Impact is recognized: Growth opportunities follow your contributions not rigid promotion timelines.
The Tilt Way
Were looking for people who chase excellence and impact. Those who stand behind their work celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable brilliant jerks need not apply. Were in this together working to expand access to fair credit and prove that people are incredible. When you join us its not just another day at the virtual office youre helping millions of hardworking people reach better financial futures.
Youre pushing ahead in your career We can get behind that. Join us in building the credit system that people deserve.
Required Experience:
Senior IC
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
Tilt helps you access cash and credit by looking at your income and spending, not just your credit score. 3 in 4 customers approved for cash or credit today.
