Credit Risk Analyst

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.

TA key hire for our Credit Risk team, you will report to the Regional Head of Credit Risk and take ownership of how we read our loan portfolio — from vintage performance and borrower/industry concentration to early-warning trends. This goes beyond running the numbers: you'll be expected to exercise judgment on what's genuinely significant and make clear, actionable recommendations that the credit risk team and senior stakeholders can act on.

What you will do:

Portfolio Analytics

• NPL and delinquency trend analysis (such as DPD bucket flow rates and migration, vintage analysis) to track credit quality
• Recovery and write-off performance tracking, including legacy vs. current book splits
• Portfolio concentration analysis by borrower, industry, product, and country exposures
• ECL/provisioning coverage analysis and explaining what's driving month-on-month movement
• Monthly monitoring of key portfolio risk metrics against Risk Appetite Statement (RAS) thresholds, including root-cause analysis of breaches and recommendations for improvement 
• Applying trend/statistical checks to flag unusual movements early (vs. normal noise)
• Maintaining data accuracy and reconciliation across source systems and country teams
• Explaining the “why” behind portfolio movements, not just reporting the numbers

Cross-Functional Collaboration

• Responding to ad hoc data requests from country teams or finance
• Working with country credit teams to validate local data and portfolio context