Feeny
Salmon Group

Field Credit Investigation Officer - Laguna at Salmon Group (San Pedro, Philippines)

Salmon Group· San Pedro, Philippines·

Role details

Employment
Full-Time

Salmon Group at a glance

A Philippine consumer fintech and licensed neobank offering AI-scored credit, cards, and deposits to underbanked Filipinos.

Salmon is a consumer financial technology company in the Philippines that provides credit lines, installment and cash loans, prepaid cards, and bank deposits to underbanked consumers, using AI credit scoring and a licensed rural bank it acquired.

~$310M ($160M equity + $150M bonds) raised · latest: $100M (April 2026): $60M equity + $40M debt · backed by International Finance Corporation (IFC, World Bank Group), ADQ (Abu Dhabi sovereign wealth fund), Lunate, Antler VC

Job description

Job description:

Position Summary:A Field Credit Investigation Officer is responsible for conducting in-person investigations and assessments to verify the creditworthiness of loan applicants. This includes validating personal and business information, evaluating the borrower’s capacity and character, and providing risk-based recommendations for credit approval.

Key Responsibilities:

  • Conduct field visits to applicants’ residences, businesses, and references
  • Interview applicants and third parties to verify employment, business operations, financial status, and personal character
  • Assess the five Cs of credit: Character, Capacity, Capital, Conditions, and Collateral
  • Perform ocular inspections of pledged collaterals and validate ownership and marketability
  • Gather photos, GPS coordinates, and documentation during field investigations
  • Prepare detailed credit investigation reports with findings and recommendations
  • Coordinate with the credit underwriting or loan approval team to provide updates and clarifications
  • Monitor the authenticity of submitted documents and detect signs of fraud
  • Ensure compliance with data privacy, ethical investigation standards, and institutional policies

Qualifications:

  • Bachelor’s degree in Business Administration, Finance, Economics, Criminology, or related field
  • At least 1–2 years of experience in credit investigation, field verification, or loan processing
  • Strong analytical and investigative skills
  • Excellent interpersonal and communication skills
  • Must have a valid driver’s license and willingness to travel extensively
  • High sense of integrity, discretion, and attention to detail
  • Ability to work independently and meet deadlines
  • Familiarity with local geography and communities is a plus

Preferred Skills:

  • Experience in microfinance, rural banking, or consumer lending
  • Proficient in report writing and mobile data collection tools
  • Knowledge of fraud detection practices and red flags
  • Multilingual or local dialect proficiency (depending on location)

Job Type: Full-time

Work Location: On the road

Why work at Salmon Group

  • Culture: Emphasizes “dependability,” innovation, and a human touch. Employees describe an agile, open environment where Day One employees shape the company.
  • Work model: Mostly office-based at the Taguig City headquarters (Four/NEO Building, Bonifacio Global City). Some field roles (collections, housekeeping) are site-specific.
  • Notable perks: Competitive salaries (e.g., PHP 30k-40k/month for junior roles; PHP 15k-25k for field roles). Popular roles include Credit Investigator (PHP 28k/month) and Collection Agent (PHP 16k/month).
  • Engineering culture: Strong focus on AI, data analytics, and technology innovation; the CTO and SVP of AI and Data are part of senior management.

Application questions