Senior Profitability Analyst

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Senior Profitability Analyst

Philippines - Upsell

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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
• Apply for this position

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Unit 605B, 6/F West Wing, The Offices at Estancia, 1605 Meralco Ave, Pasig City

Singapore

175A Bencoolen Street, Burlington Square #05-01, Singapore 189650

India

DLF IT Park, 1/124 Block 10, 6th Floor, DLF IT SEZ, Mount Poonamalee Road, Nandambakkam Post, Manapakkam, Chennai 600 089, India

Deposits are insured by PDIC up to ₱1 Million per depositor.

Tonik Digital Bank, Inc. is regulated by the Bangko Sentral ng Pilipinashttps://www.bsp.gov.ph/.

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