We are looking for a Risk Manager to own the credit risk analytical function for PayJoy’s Philippines business, based in our Bangalore hub. You will be given clear direction on the problems to solve and the frameworks to work within, and it will be your job to execute that work independently and drive it to conclusion with minimal hand-holding.

This is a hands-on individual contributor role. You will be in the data every day — monitoring portfolio performance, analyzing policy changes, building and maintaining the reporting infrastructure that keeps the Philippines credit risk function running. You are someone who takes full ownership of your workstreams, proactively flags risks, and doesn’t need to be chased for updates. This role has a clear path to team leadership as the Philippines business grows.