Diodalyn Tamayo

Results-driven Credit Risk and Operations Professional with 7+ years of experience in credit risk management, loan operations, fraud prevention, financial analysis, and process improvement within fintech and corporate environments. Proven expertise in creditworthiness assessment, portfolio risk monitoring, regulatory compliance, stakeholder collaboration, and operational optimization to minimize financial losses and support sustainable growth.

Credit Risk Officer - Ardent Networks Inc. - Pasig City

(2025-11)

• Lead credit investigations, financial document reviews, and external bureau coordination to assess client creditworthiness and support sound credit limit and payment-term decisions.
• Maintain and strengthen the credit risk scoring framework, client accreditation review process, and regular approval reporting to improve decision consistency and governance.
• Ensure data integrity across internal systems while managing onboarding records and credit data required for accurate portfolio monitoring.
• Partner with Sales to clarify credit status, limits, and terms, while developing SOPs and workflow improvements that streamline endorsements and stakeholder approvals.

Risk Officer – Credit Risk Management - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City

(2024-02 - 2025-06)

• Strengthening credit risk frameworks aligned with regulatory requirements and internal risk appetite, improving underwriting discipline and decision consistency.
• Conducted stress testing, scenario analysis, and portfolio monitoring, translating risk trends into actionable insights that supported loan strategy and portfolio quality.
• Led fraud investigations, complaint reviews, and borrower due diligence to protect the business from financial, compliance, and reputational exposure.
• Partnered with Data, Product, Operations, Collections, and Customer Support teams in cross-functional risk reviews, helping evaluate enterprise and partner-driven initiatives.
• Used SQL-based churn analysis and risk reporting to identify at-risk segments, support retention strategies, and improve customer lifetime value

Escalation Specialist – Operations Department - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City

(2020-07 - 2024-02)

• Led fraud investigations and escalation risk reviews, identifying loss patterns and delivering insights that informed control and process improvements
• Developed enhanced KYC checks and an approval matrix for high-value applications above ₱250K, strengthening control rigor and review efficiency.
• Managed complex end-to-end issue resolution across teams, helping minimize operational disruption and improve client-facing responsiveness.
• Recovered excess borrower funds from system-related errors and formalized SOPs and workarounds that improved operational consistency and asset protection.

Recovery Officer - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City

(2020-06 - 2020-07)

• Recovered overdue accounts and negotiated repayment arrangements during the pandemic while maintaining compliance and professionalism.
• Supported structured collection campaigns that improved recovery performance and reduced potential losses.

Loan Officer - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City

(2019-11 - 2020-06)

• Managed end-to-end loan processing, origination, review, approval, and closing, ensuring compliance and timely disbursement of loans.
• Conducted KYC due diligence, credit, and financial analysis, approving risk-aligned loan proposals and reducing default exposure.
• Supported senior credit officers with complex loan applications and portfolio reviews, enhancing decision accuracy and efficiency.
• Maintained strict confidentiality of client and bank records, ensuring regulatory compliance.
• Expanded loan portfolio and revenue by acquiring new clients, strengthening relationships, and streamlining loan management processes, contributing to measurable business growth.

Switchboard Officer - SAVii PH (New Cross Credit and Financing Gate PH) - Makati City

(2019-08 - 2019-11)

• Handled high-volume calls, routed inquiries, and ensured smooth internal communication.
• Delivered excellent customer service by addressing concerns, resolving issues, and providing effective solutions.
• Scheduled appointments, logged call data, and maintained accurate contact databases.
• Adapted quickly to new tools and processes, improving efficiency and supporting operational improvements.
• Increased customer satisfaction through timely issue resolution and proactive support.

Credit Analyst Head - WeShop Global Philippines, Inc. - Makati City

(2019-05 - 2019-08)

• Supervised credit operations and team workflow execution to maintain service levels, accuracy, and operational efficiency.
• Managed overdue accounts and repayment coordination to reduce delinquencies and support customer retention.
• Performed final credit investigation checks and supported cross-functional process improvements in lending operations.

Collection Specialist - Fast and Pay Financial, Services, Inc. - BGC, Taguig City

(2019-02 - 2019-05)

• Developed collections protocols, handled escalations, and supported team capability through training.
• Recovered overdue payments through structured outreach and compliant collection practices.

Collection Officer / Admin Support - LendCircle Lending Corp. - Makati City

(2017-11 - 2019-01)

• Supported loan processing, collections monitoring, and administrative operations across day-to-day lending activities.
• Negotiated repayment arrangements for overdue accounts and helped recover matured pawned items through system-based monitoring.
• Contributed to inventory, logistics, accounting, and customer service processes that supported overall branch operations.

BS - Psychology - New Era University (2005 - 2006)