Risk Operations Analyst, Business Fresh Graduates

First Circle

Risk Operations Analyst assessing SME loan applicants' creditworthiness at a fast-growing FinTech company. Collaborating with teams to enhance credit evaluation and risk assessment processes.

Posted 7/13/2026full-timeTaguig • 🇵🇭 PhilippinesEntry Level💰 ₱25,000 - ₱30,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong analytical and problem-solving skills in credit evaluation and risk assessment, with proficiency in Microsoft Excel and a solid educational background in Finance or related fields. Capable of conducting due diligence and ensuring compliance while collaborating effectively with cross-functional teams.

Highest-signal resume keywords

Credit EvaluationRisk AssessmentDue DiligenceMicrosoft ExcelAnalytical Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit EvaluationRisk AssessmentFinancial Statement AnalysisCreditworthiness AssessmentDue DiligencePortfolio MonitoringUnderwriting ProcessesRegulatory ComplianceData InterpretationCredit Decisioning

Soft Skills

Analytical SkillsProblem-Solving SkillsCommunication SkillsInterpersonal SkillsAttention to Detail

Tools & Technologies

Microsoft ExcelMS Office Applications

Industry Keywords

SME LoanCredit StandardsBorrower Risk ProfilesFinancial StrengthCross-Functional Collaboration

About the role

Key responsibilities & impact

Credit Evaluation: Evaluate SME loan applicants’ creditworthiness using financial statements, credit reports, and other relevant data.
Risk Assessment: Assess borrower risk profiles by identifying key risks, mitigating factors, and overall financial strength.
Due Diligence & Compliance: Conduct due diligence to ensure compliance with regulatory requirements, company policies, and credit standards.
Cross-Functional Collaboration: Work with cross-functional teams to gather information and build a full understanding of borrowers’ businesses and financial positions.
Credit Decisioning & Portfolio Monitoring: Prepare credit recommendations, maintain accurate loan records, monitor existing borrowers, and help improve underwriting processes and systems.

Requirements

What you’ll need

Relevant Experience: Preferably a fresh graduate or with maximum 1 year of experience.
Educational Background: Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field.
Analytical & Problem-Solving Skills: Strong analytical and problem-solving skills, with the ability to interpret financial statements, assess creditworthiness, and make sound decisions.
Communication & Work Style: Excellent communication and interpersonal skills, with strong attention to detail and the ability to work collaboratively, independently, and under tight deadlines in a fast-paced environment.
Technical Proficiency & Growth Mindset: Proficient in Microsoft Excel and other MS Office applications, with a strong desire to learn and build a career in credit underwriting and risk assessment.

Benefits

Comp & perks

Salary: ₱25,000-30,000 monthly gross
Hybrid work set-up: 2 days per week in our BGC office; remote the rest of the time.
Additional perks & benefits: HMO coverage from month one, free catered lunches, MacBook Air provided, monthly fitness allowance, transportation & accommodation allowance, and more.
Join a team with a deeply collaborative culture! Learn more here: https://www.firstcircle.ph/careers