Financial Data Analyst (ECL)

What You Will Do:

• Support the development and maintenance of ECL models under IFRS 9 / PFRS 9 (PD, LGD, EAD) across multiple portfolios (credit cards, personal loans etc.) under the guidance of senior staff.
• Help calibrate and validate models using internal and external data, documenting assumptions, methodologies, and validation results.
• Ensure regulatory compliance with BSP circulars and PFRS 9 guidelines by preparing documentation and supporting internal and external audits.
• Reconcile ECL outputs with Finance and Accounting teams and assist in providing explanations on drivers of change.
• Work with Credit, Collections, and Finance teams to incorporate business strategies into impairment forecasts.
• Prepare draft reports and presentations of ECL results and recommendations for senior management and committees (CreCom, Board).
• Maintain model governance documentation (model risk, version control, sign-offs).

What We Are Looking For:

• Bachelor’s or Master’s degree in Statistics, Economics, Finance, Mathematics, or related field.
• 2+ years’ experience in credit risk, impairment/ECL support, or provisioning in a bank, fintech, or consulting environment.
• Good understanding of IFRS 9 / PFRS 9 ECL framework, including staging, PD/LGD/EAD concepts, forward-looking overlays, and macroeconomic scenarios (willingness to deepen expertise is key).
• Familiarity with BSP regulations, Philippine credit environment, and consumer lending portfolios is an advantage.
• Proficiency in Excel; working knowledge of analytics tools (SAS, Python, R, SQL) for data analysis is a plus.
• Strong communication and presentation skills; ability to explain findings clearly and work with cross-functional teams.
• Exposure to digital banks or fintechs, stress-testing frameworks, model validation, credit policy; CPA or CFA certification (or progress) is an advantage but not required.