Hi! Badly need your insights.
I recently received two job offers, but I’m having a hard time deciding because both have their own risks, and I’m scared of making the wrong decision.
Here’s the breakdown:
🏦 OPTION 1: BANKING & FINANCE
Salary: ₱43,000/month (₱38k basic + ₱5k allowance)
Work Setup: Onsite during training, then hybrid
Start Date: November 20, 2026
Employment: Long-term/regular position
Nature of Work:
\\\* Customer service for banking concerns
\\\* Mostly inbound calls
✅ Pros:
\\\* Higher salary (₱3k more than Option 2)
\\\* Opportunity to explore the banking and finance industry
\\\* Established company with better potential for long-term career stability
\\\* Mas mataas ang basic salary, which I think is also beneficial in the long run.
⚠️ Hesitations:
\\\* November 20 pa ang start date, so most likely November 30 pa ang first salary.
\\\* My biggest concern is the background check. Since banking and finance industry ito, I’m worried that my unsettled financial obligations might affect my employment.
For transparency, I have delinquent credit card and loan accounts here in the Philippines.
I transferred to a different company in December 2024, where I accepted a lower salary.
Unfortunately, my financial situation became difficult, and by January 2025, I started reaching out to my creditors to explain that I couldn’t keep up with my payments and to ask for possible repayment arrangements.
However, things didn’t work out as planned because I was really struggling financially and living paycheck to paycheck.
Eventually, some of my accounts became delinquent.
Fast forward to today, I’ve started receiving discounted settlement offers from collection agencies.
I genuinely want to settle these obligations and rebuild my financial standing. I’m currently trying to negotiate more manageable payment arrangements, and once I start working again and have a stable source of income, I plan to prioritize clearing these debts.
I’ve been reading posts about background checks in the banking industry, and mixed talaga ang experiences.
Some say they were simply asked to explain their financial situation and provide a repayment plan tas tuloy parin ang employment, while others say that having delinquent accounts can be a reason for disqualification because of the financial risks involved.
⸻
🏥 OPTION 2: HEALTHCARE
Position: Associate III
Salary: ₱40,000/month (₱33k basic + ₱7k allowance)
Work Setup: Onsite during training, then WFH
Start Date: November 3, 2026
Employment: Fixed-term contract until June 1, 2027
Nature of Work:
\\\* Mostly nonvoice/back-office tasks
\\\* Outbound calls only when necessary
✅ Pros:
\\\* Earlier start date, so I can start earning sooner.
\\\* Healthcare industry, where I already have relevant experience.
\\\* I feel more confident about the background check, l
⚠️ Hesitations:
\\\* FIXED-TERM CONTRACT ONLY UNTIL JUNE 1, 2027.
\\\* According to the recruiter, there’s a high possibility of being absorbed as a regular/full-time employee, but this isn’t guaranteed.
\\\* Regularization will depend on business needs, available headcount, and performance.
\\\* If hindi ako ma-absorb, I’ll have to start job hunting again by June 2027.
⸻
BIGGEST DILEMMA
IF I CHOOSE B&F
\\- November 3 na kasi ang start date ng Healthcare, while November 20 pa sa Banking & Finance.
\\- What if I let go of the Healthcare opportunity, only to find out later that I won’t be cleared for employment in Banking & Finance because of my delinquent accounts?
\\- What if i-rescind nila yung job offer after the background check?
\\- By that time, nakapag-start na yung Healthcare company, so most likely hindi ko na rin mababalikan yung opportunity.
IF I CHOOSE HC
\\- What if piliin ko naman yung Healthcare because it’s the more practical option for now?
\\- Biggest concern: JOB SECURITY. Fixed-term contract lang siya until June 1, 2027. Although there’s a possibility of being absorbed, what if hindi ako hindi ma absorb? Edi by June 2027, kailangan ko na namang maghanap ng trabaho.
⸻
I would really appreciate your insights, especially from those who have firsthand experience with a similar situation.
What do you think would be the best way to move forward?
Sorry long post, thank you so much for reading!