Credit Analyst

Funding Societies | Modalku is the largest unified SME digital finance platform in Southeast Asia. It is licensed in Thailand, Singapore, Indonesia, registered in Malaysia, and operates in Vietnam. The FinTech company provides US$1 billion annually of business financing to small and medium-sized enterprises (SMEs). Its recent strategic milestones include its acquisition of regional digital payments platform CardUp and co-investment into Bank Index in Indonesia.
Funding Societies | Modalku is backed by SoftBank Vision Fund 2, SoftBank Ventures Asia, Sequoia Capital India, 500 Tuktuk, Alpha JWC Ventures, SMBC Bank, BRI Ventures, VNG Corporation, Rapyd Ventures, Endeavor, EBDI, SGInnovative, Qualgro, and Golden Gate Ventures among others. It has received accolades from Brands for Good (2019, 2023), Global SME Excellence Award, Global SME Finance Awards by IFC (2021-2023) Global Startup Awards (2020), MAS FinTech Award (2016, 2021) and more. For more information, please visit: 

And here at Funding Societies | Modalku we live by our core values GETFS:

• Grow Relentlessly: Strive to become our best, most authentic selves.
• Enable Teamwork, Disable Politics: Only by forging togetherness, we help each other succeed.
• Test Measure Act: Stay curious and reinvent ourselves, through innovation and experimentation.
• Focus on Impact: Create impact through bias for action and tangible results.
• Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.

As a Credit Analyst you will be responsible for managing the appropriate level of credit risk for the business, working with the team of underwriters and the operation and collection team 

What you will be doing:

• Evaluating credit applications using FS proprietary platform which supplements traditional financial data with third party data
• Analyze macro-economic, industry and market data impact on assigned product portfolio.
• Recommend, develop, and implement credit rating models and management processes for SME borrowers and ensure a robust rating and pricing framework
• Balance Credit Risk and Business Risk to make educated and well-informed decisions
• Perform data management and maintenance required to support the needs, integrity and performance of SME credit portfolio management and related risk framework and methodologies, including forward-looking view of the portfolio
• Take special projects from time to time to help in achieving the company’s strategic goals.
• Participate actively in team meetings and contribute to improvement of credit processes

What we are looking for:

• Proven experience as Credit Analyst / underwriting more than 2 years, with overall experience of at least 2 years
• SME lending underwriting experience of atleast 1 years preferred
• Ability to lead others in the team to complete tasks assigned
• Ability to work with across functions within the company to execute plans/projects
• Consistency, maturity and having sound judgement/decision making across work matters
• Able to use professional concepts and company objectives to resolve complex issues in creative and effective ways.
• Able to work on complex issues where analysis of situations or data requires an in-depth evaluation of variable factors.
• Able to exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results.
• Good collaboration with all counterparties 
• Self-motivated and open minded to learn new aspects of work.

• Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.
• Flexible Working - We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.
• Medical Benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their back for their loved ones too.
• Mental Health and Wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we have Wellness Wednesdays and we engage partners to provide well-being coaching. And we have our Great FSMK Workout sessions too to keep everyone healthy and fit!
• Learning & Development: We believe learning should never end and we support everyone with self-learning L&D allowances.
• Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity