Financial Data Analyst (ECL)

Our Mission

Our goal is for everyone to make bolder choices with their finances.

To get there, we're creating an all-in-one ecosystem of financial services for today's generation of goal-getters. That feat takes extraordinary people-those with the guts to challenge the way things are and transform them into something better.

To be part of Team Maya is to be Bolder for Better.

Description

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.
  
  

About Us

Maya is the all-in-one money platform that is bringing Filipinos bolder ways to master their money. It is powered by a unique integrated financial services ecosystem that addresses the ever-evolving needs of today’s generation of money makers through cutting edge technology. 

We lead millions of Filipinos — consumers, businesses, communities, and government agencies alike — into a version of the current digital economy that’s more inclusive, transparent, and empowering than ever. 

We are powered by the country's only end-to-end digital payments company Maya Philippines, Inc. and Maya Bank, Inc. for digital banking services. 

Maya Bank, Inc. and Maya Philippines, Inc. are regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph/