Total 3 job vacancies by First Circle

First Circle is one of the fastest growing fintechs in South-East Asia, providing financial services to under-served SMEs. We have already transformed access to credit for thousands of small businesses in the Philippines, and we are now building a full-stack Neobank that will include multi-currency bank accounts, payments, FX, corporate credit cards, payroll.

Last year we raised Series B, led by the IFC (the World Bank's investment arm), and we are now hiring an experienced product manager to play a pivotal part in the next chapter.

Building product in developing markets like the Philippines presents unique challenges, given the state of digital infrastructure. We are building virtually everything in-house, which is not easy, but its a lot of fun. We have a track record of solving seemingly impossible problems that defeated many other start-ups, and the opportunity ahead remains enormous.

The Role

We are looking for a Product Manager to build world class products that will shape the future of First Circle. Reporting to the CEO, you will work at the highest level to design and execute solutions that drive business growth and customer success. This is an opportunity to work in a fast-moving, ambitious environment where your work will have a direct and measurable impact.

Key Responsibilities

• Lead the development and execution of critical product initiatives, driving strategy from concept to launch.
• Own key product metrics and ensure that every decision contributes to meaningful business outcomes.
• Work cross-functionally with engineering, design, data, and business teams to align on priorities and execute efficiently.
• Leverage data and deep analytical thinking to identify opportunities, solve complex problems, and drive continuous improvement.
• Take a highly outcome-oriented approach, ensuring efforts translate into real impact for customers and the business.
• Operate with extreme ownership—you are responsible for delivering results, not just managing a backlog.
• Work in a high-performance culture that demands top-notch work effort, strategic thinking, and relentless execution.
• Travel to Manila periodically to work closely with teams on the ground.

• 4-8 years of experience in a highly analytical, problem-solving role (e.g., Product Management, Consulting, Strategy).
• Strong analytical and strategic thinking skills—able to break down complex problems and build structured solutions.
• Worked on fintech-related products and can demonstrate successful outcomes
• Highly outcome-driven - focused on delivering impact, not just managing processes.
• Extreme ownership mindset- takes responsibility for success and doesn’t wait for direction.
• Proven ability to work in fast-paced, high-performance environments

• Work at a fast-growing fintech on meaningful products that reshape SME finance in Southeast Asia.
• We don't have a fixed budget for the role. When we find the right person, we will pay them competitively vs their market rate.
• Macbooks, health insurance, training budget, and more!
• Flexibility to work remotely with opportunities for travel.

About First Circle

First Circle is one of the fastest-growing FinTech companies in the country, providing financial services to under-served SMEs. We've already transformed access to credit for thousands of businesses, and now we're building a full-stack neobank offering innovative new products and services. As part of our ongoing growth, we're strengthening our Collections Team to boost recovery rates and reduce delinquency. We're looking for a hardworking, reliable, and hands-on Field Collector or Skip Tracer to join us.

We are seeking a Remedial Officer who is responsible for managing delinquent accounts through legal recovery processes, including litigation and case filing. The role involves representing the company in court, preparing legal documentation, coordinating settlements, and ensuring proper monitoring and reporting of accounts under litigation.

Duties & Responsibilities

1. Case Initiation and Documentation: Facilitate the recovery of delinquent accounts by preparing legal documents and organizing evidence required for case filing.
2. Legal Representation: Represent First Circle in court proceedings, including executing affidavits on behalf of the firm and serving as a key witness when necessary.
3. Legal Documents Drafting: Draft legal documents required for the litigation process
4. Account Monitoring: Track the status of accounts under litigation to ensure all legal timelines and procedural requirements are met.
5. Settlement Negotiation: Directly engage with customers to negotiate and establish settlement plans for outstanding debts.
6. Reporting and Compliance: Prepare detailed reports on account status and hearing outcomes while ensuring the secure maintenance of all case-related evidence.

1. Experience: Prior experience in remedial support, administrative tasks, or related functions is preferred.
2. Legal-related documentation: Experience in preparing demand letters or legal-related documentation is an advantage.
3. Communication: Good written communication skills, particularly in drafting formal correspondence and legal-related documents.
4. Confidentiality handling: Ability to handle confidential and sensitive information with discretion and professionalism.
5. Organized: Highly organized, with the ability to manage multiple cases, tasks, and deadlines simultaneously. Strong attention to detail with excellent document management and record-keeping skills.

• Salary: PHP 20-25k monthly
• Hybrid work set-up: 2 days per week in our BGC office; remote the rest of the time.
• Additional perks & benefits: HMO coverage from month one, free catered lunches, MacBook Air provided, monthly fitness allowance, transportation & accommodation allowance, and more.
• Join a team with a deeply collaborative culture! Learn more here: https://www.firstcircle.ph/careers

First Circle is a fast-growing, profitable, credit-led SME NeoBank in the Philippines whose shareholders include the World Bank Group (IFC). Today, our Business Credit Line and Business Bank Accounts are used by thousands of SMEs to grow and run their business. Our product velocity has accelerated - we're releasing SME Corporate Cards, Payroll, Invoices, and Solar Financing - redefining the SME NeoBank category through software, financial products, and exceptional risk models.

Our ambition is to build Southeast Asia's leading SME NeoBank and reach $1B in revenue by 2030.

Our culture emphasises building, problem solving, ownership, and growth. We balance a collegiate atmosphere with free and direct communication, enabling us to move very quickly and avoid politics. Our team continues to level up quickly - necessary for a business compounding at more than 100% per year.

The Opportunity

This is not a conventional product management role. Instead, you must combine technical risk management with system design & engineering. You will consistently solve hard, complex problems in risk by decompose it into its components, design a system-level solution(s), and drive it to completion in close partnership with our engineering team.

Think less product manager, more systems engineer who doesn't write code - someone who thrives in the space between deep analytical thinking and hands-on execution. If you're the kind of person who naturally draws architecture diagrams when solving a problem, asks "how does this interact with everything else?", and holds yourself to a very high standard, this role was built for you.

You will be working at the centre of First Circle's risk infrastructure reporting directly to the Co-Founder & Chief Investment Officer - a function that directly determines the quality of our loan book, the integrity of our financial products, and our ability to scale safely at pace.

What You'll Do

System Design & Technical Planning

• Contribute to the end-to-end technical design of our risk systems and processes: from problem definition through to solution architecture, integration planning, and implementation
• Translate complex risk and business requirements into precise, buildable technical specifications that engineers can execute
• Map dependencies across data pipelines, decision engines, product flows, and operational systems to ensure everything works coherently together
• Identify structural weaknesses or failure modes in existing systems before they become problems

Execution & Delivery

• Partner closely with engineers daily — writing detailed specs, reviewing implementations, debugging, and iterating with pace and precision
• Drive initiatives from concept through to production, maintaining momentum and quality throughout
• Manage multiple concurrent workstreams without dropping balls, keeping stakeholders informed and blockers cleared

Analytical Problem Solving

• Apply structured, rigorous thinking to ambiguous risk problems — credit, fraud, operational, or model risk
• Build and interrogate analytical models to pressure-test proposed solutions before they're built
• Synthesise data, business logic, and technical constraints into clear, reasoned recommendations

Risk Management

• Develop a working understanding of First Circle's risk frameworks and apply this to system design decisions
• Flag emerging risks embedded in system design and proposed solutions, ensuring they are explicitly addressed

This role will expose you to hard, multi-dimensional problems. We want someone who finds that energising, not intimidating.

Background & Experience

• 2–7 years of experience in a technical, analytically demanding field - we are genuinely open on sector
• Strong candidates may come from: quantitative finance, structured finance, engineering (civil, mechanical, electrical, systems), technical consulting, investment banking, actuarial work, trading, data or analytics roles, or technical operations
• A risk background is not required - what matters is the ability to learn quickly and think in systems
• Experience working closely with software engineers or technical teams is a meaningful advantage but not a prerequisite

Skills & Traits

• Systems thinker: you instinctively consider how components interact, where failure points emerge, and how to build for robustness and scale
• Analytically rigorous: you go deep, check your assumptions, and don't accept "it should work" without understanding why
• Technically literate: comfortable with SQL, data analysis, or quantitative modelling — you don't need to write production code, but you can read it and reason about it
• Clear communicator: you write precisely and speak directly; your specs are unambiguous and your reasoning is easy to follow
• Exceptionally reliable: you follow through, meet your commitments, and hold a high personal bar for output quality
• High energy and proactive: you identify what needs to be done without being asked and move quickly

Open to candidates based anywhere in Southeast Asia, Australia, or New Zealand. We operate with strong async habits and move fast regardless of timezone.

• You'll be solving genuinely hard, consequential problems - not maintaining feature backlogs
• Direct impact on First Circle's core: our risk infrastructure underpins everything we do
• Significant opportunity to grow quickly in a business compounding at 100%+ per years
• No fixed budget: we hire globally and adjust offers based on experience and market rate
• Macbooks, premium health insurance, training budget, and more!
• Flexibility to work remotely with opportunities for travel