Credit Manager

Funding Societies | Modalku is the largest SME digital finance platform in Southeast Asia. We are licensed and operating  in Singapore, Indonesia, Thailand, Malaysia and Vietnam, and backed by Sequoia India (Peak XV), Softbank Vision Fund, Khazanah and SMBC bank amongst many others. Funding Societies | Modalku provides business financing to small and medium-sized enterprises (SMEs), which is funded by individual and institutional investors, as well as payments solutions to SMEs and consumers.

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.

To safeguard the business's portfolio growth by thoroughly evaluating credit risk, providing accurate financial insights, and ensuring compliant lending decisions.

• Risk Mitigation: Protect the platform from non-performing assets by critically verifying borrower financial data and anticipating potential loan risks.
• Informed Decision-Making: Deliver clear, data-driven financial reports and expert recommendations to the Credit Committee to enable swift, sound lending approvals.
• Portfolio Health: Maintain long-term compliance and operational integrity by tracking loan covenants and strictly enforcing company credit policies.

What you will do:

• Evaluating customer’s data and financial documents to determine the degree of risk involved to reduce the risk of customer disputes,
• Conduct document and information checking and verification as part of credit assessment processes,
• Prepare spreadsheets and detailed written reports to be presented to the loan committee,
• Identification and provide mitigation actions of all risks entailed,
• Provide professional opinions and/or recommendations to Credit Committee regarding customers’ financial credit status referring to credit policy and guidelines,
• Track loan covenants to ensure compliance & complete other duties as assigned.

Requirements

What we are looking for:

• Having minimum 3 to 5 years working experience as a Credit Analyst (SME/Commercial segment) in banking and/or peer-to-peer lending industry,
• Excellent understanding in business financial statements, analytical skills, and mindset,
• Detail oriented, have a strong verification and critical thinking skills,
• Ability to maintain a high level of professionalism and positive attitude with team members and clients,
• Able to adapt to a rapidly evolving and fast-paced working environment,
• Ability to communicate with stakeholders and peers in effective written and verbal communication skills both in Bahasa & English.

Benefits

Other Benefits:

• 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 backs 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 organize org-wide fitness initiatives and engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

Interested to know more about us? Learn about our Stories here.