Sr. Portfolio Analyst

Join SAVii: Transforming Employee Wellness Across Emerging Markets About SAVii SAVii is the leading financial wellness platform in the Philippines, dedicated to revolutionizing the employee benefits landscape. Founded in 2017, we provide 360-degree salary-linked wellness services that empower HR leaders to support their teams' financial health. Important Note for Applicants: SAVii was recently acquired by GoTyme Bank , the country’s fastest-growing digital bank. While this position is hosted on the GoTyme Bank career page, you are applying specifically for a role within the SAVii organization. This partnership allows us to leverage GoTyme’s banking infrastructure to further our mission of financial inclusion. Our Culture At SAVii, we operate under a remote-first philosophy, prioritizing results and employee well-being. We foster a culture of collaboration, respect, and continuous professional growth. Our environment is fast-paced and execution-oriented, designed for individuals who are comfortable challenging the status quo and taking ownership of their contributions. In this role, you will have the unique opportunity to witness the growth of SAVii and your professional career as the team embarks on this new journey across all aspects of the Portfolio growth and credit risk framework, from data integrity to system reporting and risk/capital methodologies. Key Responsibilities Ensures that credit risk management policies and procedures for SAVii are properly and promptly implemented. Drive the design, testing, and implementation of credit strategies to achieve business goals Drive consumer-oriented policies for current and new products (BTC) Design risk client acquisition policies to help manage overall risk in our Salary Lending portfolio (BTB) Test and maintain pricing policies to ensure appropriate profitability of the loan book Monitors portfolio and ensures that it is performing within set KPIs Performs and owns tasks (credit strategy and portfolio growth, credit underwriting/operations process, etc.) Collaborates closely with the Data & Analytics team in developing cutting-edge Credit Algorithms/Models and reports. Lead or collaborate on special projects in support of other teams related to risk and profitability Lead research initiatives to investigate the credit portfolio’s risk composition ahead of industry risk migrations, name-specific credit migrations, or potential unknown events Build and maintain a portfolio management framework. Guide the juniors on the above. Day-to-Day Activities You closely monitor the portfolio. You do analyses, deep dives, etc., on the portfolio, be it relevant to optimization (opportunities) or investigation of noted changes in portfolio behavior (risks), using data segmentation techniques such as Python, SQL, Google Sheets, etc. You work on developing and improvising the core credit framework. You assist in developing and implementing data collection, data analytics, and other strategies to analyze statistical efficiency and guide decision-making. You work with data scientists and other functions to dive deep into core credit issues and prioritize business and information needs. You establish measurements to analyze credit model performance, uncover insights, and discern targeted improvement areas. Lead and guide the team and review their work from time to time. You monitor credit performance metrics to identify issues, new and innovative credit processes, feature improvements, and business growth opportunities. You can articulate and effectively conceptualize analysis for various stakeholders. You design and implement reports and performance measurement dashboards You write and update credit risk policies. You can perform/participate in business-related tasks/projects as assigned. Why Join SAVii? Joining SAVii means contributing to a platform that directly improves the lives of thousands of employees. We offer a competitive benefits package, flexible work arrangements, and a professional environment that encourages diversity and innovation. Commitment to Diversity & Inclusion SAVii is an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees and believe that a diverse range of perspectives is essential to our success as a fintech leader. Application Process If you are a driven professional looking to make a meaningful impact in the financial wellness space, we invite you to apply.