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

Senior Analyst – Credit Strategy & Analytics (Remote)

remote-first

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.