Credit 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.

Are you driven, detail-oriented, and eager to grow?

We're looking for self-starters who take initiative, thrive on learning, and are passionate about continuous improvement.

As a Credit Analyst, you'll gain hands-on exposure to financial markets and play a critical role in our growth. This position offers a front-row seat to end-to-end credit risk management: from assessing creditworthiness and monitoring portfolio exposures to refining risk policies, conducting post-approval reviews, and developing smart, data-driven strategies to mitigate credit risk.

Join us and be part of a team that values sharp thinking, proactive problem-solving, and impactful work.

What will you do:

• Dive into the numbers: Analyse and interpret clients' credit data, financial statements, and reports to understand how companies operate and assess their creditworthiness.
• Evaluate credit applications: Provide well-considered recommendations based on thorough analysis of credit risk. The role focuses on evaluating the risk involved in extending credit to businesses.
• Ensure alignment: Review credit assessments to ensure they are in line with the company's credit strategy, guidelines, and policies.
• Stay ahead of trends: Conduct industry research and monitor economic developments to keep the business units informed and proactive in a dynamic market.
• Contribute to projects: Participate in credit-related initiatives, system upgrades, and process improvements. Your ideas and contributions are valued!
• Take on ad-hoc tasks: Handle special assignments and additional tasks as requested by your supervisor. Flexibility and initiative are key in this role!