Senior 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.

What will you do:

• Conduct comprehensive credit assessments for both individual and corporate HP loan applications.
• Ensure that credit requests are processed within the designated turnaround time, adhering to FSMY’s credit policies and lending guidelines.
• Identify and mitigate potential risks associated with hire purchase agreements.
• Develop and maintain strong relationships with internal and external stakeholders, including sales teams and customers.
• Mentor and provide guidance to junior credit analysts.
• Contribute to the continuous improvement of credit policies, procedures, and risk assessment methodologies.
• Stay abreast of industry trends, regulatory changes, and economic conditions impacting the hire purchase market.
• Ad-hoc assignments and other responsibilities delegated by the supervisor from time to time.

• At least 3 years of experience in loan processing or evaluation within the financial services industry or a financial institution.
• Proven track record of managing a portfolio of hire purchase accounts.
• Excellent understanding of credit principles, financial statements, and risk management concepts.
• Proficiency in credit analysis software and Microsoft Office Suite (especially Excel).
• Exceptional communication (written and verbal) and interpersonal skills.
• Ability to work independently and collaboratively in a fast-paced environment.
• Strong attention to detail and accuracy.
• Sound judgment and decision-making abilities.
• Possess strong interpersonal, problem-solving, and analytical abilities.
• Ability to speak in other languages or dialects would be added advantage.

• 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.