Risk Operations Analyst, Business Fresh Graduates 2025 & 2026

First Circle

Risk Operations Analyst evaluating creditworthiness and assessing risk profiles of SMEs in a leading FinTech company. Join a team shaping the future of digital banking in the Philippines.

Posted 7/31/2026full-timeTaguig • 🇵🇭 PhilippinesEntry Level💰 ₱25,000 - ₱28,000 per monthWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong analytical skills in evaluating creditworthiness and borrower risk profiles, with proficiency in financial statement interpretation and compliance with regulatory requirements. Capable of collaborating with cross-functional teams and maintaining accurate loan records while improving underwriting processes.

Highest-signal resume keywords

Creditworthiness AssessmentFinancial Statement AnalysisRegulatory ComplianceAnalytical Problem-SolvingMicrosoft Excel Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentFinancial AnalysisDue DiligenceUnderwriting ProcessesLoan Record Maintenance

Soft Skills

Excellent CommunicationInterpersonal SkillsAttention to DetailCollaborationAbility to Work Independently

Tools & Technologies

Microsoft ExcelMS Office Applications

Industry Keywords

SME Loan EvaluationBorrower Risk ProfilesCredit StandardsFinancial StrengthFast-Paced Environment

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

Preferably a fresh graduate or with maximum 1 year of experience.
Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field.
Strong analytical and problem-solving skills, with the ability to interpret financial statements, assess creditworthiness, and make sound decisions.
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.
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

HMO coverage from week one
Life and accidental insurance
Free catered lunches
Monthly fitness allowance
Transportation allowance
Accommodation allowance
Join a team with a deeply collaborative culture! Learn more here: https://www.firstcircle.ph/careers