Management Associate

About Us

ProCredit is a tech-enabled SME lender led by a very seasoned team with over 50 years of combined experience at Citigroup, Standard Chartered, ANZ, and ADB—deeply rooted in emerging markets and SME lending. We're on a mission to become the leading SME lender in the Philippines, using credit-first engagement, data-driven underwriting, and flexible, risk-based lending to close the credit gap for growing businesses. We pay above market, value ambition, and offer fast-moving paths to leadership positions for those hungry to make an impact. If you're driven, growth-minded, and ready to help reshape the future of Philippine lending—this is your moment.

The Role

As a Management Associate, you will undergo a structured on-the-job training program under the guidance of seasoned senior managers during your probationary period. You will be immersed in various credit and credit operations functions, gaining hands-on exposure to how SME lending decisions are supported from intake to approval.

This role is designed for high-potential individuals who are detail-oriented, client-facing, and eager to learn the fundamentals of credit support, documentation management, and internal coordination. You will play a key role in ensuring that client submissions, credit documentation, and internal requirements are complete, accurate, and properly validated to support timely and well-informed lending decisions.

Core Proficiency

• Strong ability to review, validate, and assess financial and business documents such as financial statements, bank records, and supporting schedules for completeness and consistency.
• High attention to detail in data verification, document checking, and accuracy control across multiple sources of client information.
• Capability to collect, follow up, organize, and cleanse documentation required for credit and operational review.
• Comfort in client-facing coordination, including requesting information, clarifying discrepancies, and ensuring timely submission of requirements.
• Ability to assess qualitative and quantitative information (business background, transaction history, industry context) to support internal credit documentation.
• Strong organizational skills to manage multiple files, deadlines, and stakeholder requests in a fast-paced environment.

Responsibilities:

Credit Underwriting Documentation Support

• Support senior managers across the full credit process, from client onboarding and document intake to internal submission and approval readiness.
• Ensure all credit-related documents are complete, accurate, well-structured, and suitable for senior management and committee review.
• Organize, maintain, and update credit files to ensure proper documentation control, version accuracy, and audit readiness.

Data Validation and Due Diligence

• Validate the accuracy and consistency of financial inputs and supporting documents across multiple sources.
• Conduct quantitative and qualitative due diligence by cross-verifying disclosed information against in-house records, bank statements, and other supporting documentation.
• Triangulate reported revenues and collections by reconciling disclosures against in-house financial statements, bank statements, and loan portfolio data (for financial companies).
• Verify disclosed cash balances by cross-checking in-house financial statements with actual bank statement balances.
• Validate disclosed loans and liabilities by identifying large or unusual transactions in bank statements and reconciling them with declared loan information.
• Identify, document, and escalate material discrepancies exceeding 3% between audited financial statements and in-house records, ensuring proper cross-referencing and clear documentation for review.

Stakeholder & Client Coordination

• Act as a key coordination point between clients, relationship managers, and internal credit teams to follow up on documentation requirements and resolve data gaps.
• Communicate clearly with clients to explain documentation needs, request clarifications, and ensure timely submission of complete requirements.

Credit Operations & Process Support

• Support credit operations by tracking application progress, managing documentation timelines, and ensuring files are ready for internal review and approval.
• Assist in preparing internal credit packs, summaries, and supporting schedules for senior management and credit committee review.

Learning & Development

• Gain hands-on exposure to SME lending operations, internal credit workflows, and documentation standards within a fast-scaling fintech environment.
• Build a strong operational foundation with a structured development path toward more senior roles in credit, credit operations, or leadership based on performance.

Requirements:

• Strong willingness to learn, can-do attitude.
• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Experience in accounting is a plus.
• Previous experience in conducting financial analysis of SMEs, particularly in functions such as FP&A, credit strategy, and investments, is considered a plus but not required.
• Familiarity with banking products and lending systems, as well as established relationships within the lending units of financial institutions, is a strong advantage
• Strong analytical skills with the ability to interpret financial data effectively.
• Proficiency in financial modeling and understanding of credit risk concepts.
• Excellent attention to detail and strong organizational skills.
• Effective communication skills, both written and verbal, to liaise with clients and team members.
• Ability to work independently as well as part of a collaborative team environment.

Why Join Us

• Above-market compensation with performance incentives.
• Work with a high-caliber team in a mission-driven company.
• Shape the credit culture and standards of a fast-growing fintech.
• Clear path to leadership roles as the business scales.