Senior Analyst - Credit Strategy & Analytics

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology. At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines.

About the role

We are looking for a highly analytical and detail-oriented Senior Analyst – Credit Strategy & Analytics (Remote) to join our Consumer Lending Team. You will play a key role in evaluating credit risk and supporting the design, monitoring, and optimization of our lending products (credit card, personal loan, and more!).

This role blends credit risk management and advanced analytics with the unique opportunity to leverage AI and machine learning to transform how credit decisions are made. You’ll work in a remote-first environment, collaborating with some of the best minds in fintech and AI, while helping build the future of responsible and inclusive digital lending.

Key Responsibilities

• Credit Evaluation & Risk Assessment
  • Analyze credit applications, customer profiles, and financial data to assess risk.
  • Interpret credit scoring models, behavioral data, and alternative data sources to support credit decisions.
  • Assist in setting and refining credit policies and underwriting criteria.

• Work with the business to develop and maintain NPV valuation (financial) models for the lending products, credit strategies, and portfolio performance.

• Portfolio Monitoring
  • Monitor performance metrics such as delinquency, default rates, and recovery.
  • Conduct cohort and segmentation analysis to identify trends and early warning indicators.
  • Support the development of risk dashboards and reporting tools.
• Campaigns Execution
  • Design, execute, and analyze lending campaigns aimed at driving credit usage, improving repayment behavior, or reducing risk.
  • Partner with business, marketing, CRM, and product teams to ensure alignment of campaign goals with credit policies.
  • Monitor campaign performance and provide recommendations for optimization.
• Collaboration & Support
  • Work with business, product, engineering, and collections teams to design and implement lending workflows.
  • Provide analytical support during new product rollouts or changes in credit policy.
  • Participate in cross-functional discussions on customer experience and product risk.
  • Work closely with business partners and be able to translate business problem to statistical problems and leverage machine learning technology to solve business problems.

• Innovation and Research
  • Experiment with new tools, techniques, algorithms and methodologies to enhance the bank’s capabilities. 

Must Haves

• Ability to work independently in a remote-first setup. Work hours 6:30 am to 3:30 pm IST.
• Bachelor’s degree or higher in applied mathematics, statistics, computer science, physics, data science, economics, engineering or equivalent quantitative discipline.
• 2–5 years of experience in consumer lending (credit cards or personal loans or BNPL required).

• Technical Skills:
  • Strong SQL for data manipulation and reporting.
  • Proficiency in Python for analytics, modeling, and automation.
  • Exposure to AI/ML frameworks (advantageous but not required).

• Proficiency in Excel, and/or data visualization tools (e.g., Tableau, PowerBI).

• Strong analytical problem-solving skills and attention to detail. 
• Excellent communication skills – able to present complex findings in a clear, concise manner.
• Experience in fintech, digital banking, or technology-driven financial institutions preferred.

Why Join GoTyme Bank?

• Be part of a fast-growing digital bank transforming the industry.
• Opportunity to apply AI/ML in real-world credit decisioning, from onboarding to collections.
• Work in a remote-first setup with flexible arrangements
• Collaborate with fintech innovators and a high-performing analytics team.
• Accelerate your career by working at the intersection of data, AI, and financial inclusion.
• Competitive compensation and benefits package.