Credit Card Analytics Lead
📍 Manila, Philippines | Relocation required
Salmon is a technology-driven financial company building a banking and lending platform across Southeast Asia, starting in the Philippines.
7M+ app downloads. 2M+ monthly active users. 7000+ partner stores. US$350M+ raised from top-tier investors.
Here, you get real ownership from day one, high standards, and direct communication. You'll work alongside a team that combines deep local knowledge and experience scaling regulated financial companies from scratch.
If you want to solve complex problems at scale and directly impact how millions of people access and manage money, come build with us.
Southeast Asia's fintech moment starts here.
About the role
You'll own the unit economics engine of our credit card business — methodology, model logic, assumptions, and the profitability decisions built on top of it. Economics-driven decisions on pricing, limits, and roadmap trade-offs currently bottleneck at the Head of Credit Cards. You'll fix that: define the economic logic up front, build the decision frameworks the business can operate on, and remove the dependency.
What you'll do
- Work directly with the Head of Credit Cards and partner with Product, Growth, Risk, and Finance as the sole economics owner for the credit card portfolio.
- Audit the current NPV/unit economics model in the first 90 days — assumptions, logic, data inputs — and deliver a production-grade model within six to nine months.
- Run the economics cadence: portfolio reviews, A/B test interpretation, and rollout or kill decisions grounded in profitability, not topline growth.
What you'll own
- Own the end-to-end LTV/NPV model for Credit Cards: methodology, implementation, assumptions, and governance.
- Define the profitability framework used to approve or reject pricing, credit limits, acquisition strategies, product changes, and rewards.
- Establish and monitor core portfolio metrics: ROI, contribution margin, payback curves, capital efficiency, and scaling thresholds.
- Build pricing and limit frameworks with explicit guardrails, tiers, scenarios, and rollout rules.
- Provide economics sign-off for roadmap items and major portfolio changes based on incremental value, not topline growth.
- Drive portfolio analytics: cohort economics, key value drivers, early warning indicators, and scaling constraints.
- Translate complex trade-offs into clear decision rules that Product, Growth, Risk, and Finance can operate on.
- Own business interpretation and profitability readouts: what worked, why it worked, whether it scales, and under which constraints.
- Build and lead the analytics stream, with data analyst support from day one.
What makes you a strong fit
- 5+ years in fintech, lending, or portfolio economics with direct ownership of profitability outcomes.
- Proven track record building and owning LTV/NPV models used in live decision-making — not post-factum analysis.
- Advanced SQL and Python — you build models yourself, not only interpret them. We will verify this in the process.
- Strong command of LTV, ROI, marginal economics, cohort behavior, and portfolio dynamics.
- Judgment to distinguish when growth creates value and when it destroys it — and the ability to prove it.
- Systems thinking: you build and optimize a profitability engine, not isolated features.
