Our client is a leading global payments firms, they are supporting a banking client in the Philippines on credit risk–led business development initiatives. The engagement focuses on strengthening application scorecard development and underwriting policy optimisation for unsecured lending products, with the objective of improving risk-adjusted performance and achieving year-2 profitability for credit cards.

To support this initiative, the client is seeking 1–2 credit risk modeling consultants with hands-on experience in unsecured lending. The role is Manila-based (BGC area) with a hybrid working model, and the client has requested pricing scenarios across multiple on-site/off-site splits. The engagement is expected to run 3–6 months, full-time, starting mid-March to early April 2026.

What you will be doing

• Support application risk scorecard development for unsecured loan products, including credit cards.
• Perform data extraction, cleaning, preparation, and analysis using Python, SAS, and SQL.
• Build, test, and validate application scorecard models in line with underwriting objectives.
• Support underwriting policy setup and optimisation to improve approval quality and portfolio performance.
• Analyse trade-offs between risk, approval rates, and profitability to support year-2 profitability targets.
• Work closely with client credit risk and modeling teams during development and testing phases.
• Contribute to documentation and knowledge transfer related to scorecard logic and underwriting rules.

Your background

• 3–5 years’ overall experience, with exposure to credit risk or risk modeling teams within the banking sector preferred.
• Hands-on experience building application risk scorecards for unsecured lending products.
• Strong coding capability in Python, SAS, and SQL.
• Experience supporting underwriting policy design, setup, or optimisation for unsecured loans.
• Solid understanding of credit risk drivers, scorecard development lifecycle, and testing approaches.
• Prior experience in banking or financial services environments is preferred.
• Fluent in English; Tagalog or other local languages are not required.