Senior Credit Analyst

Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia. We are licensed and registered in Singapore, Indonesia, Thailand, Malaysia, and operating in Vietnam, and backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provides business financing to small and medium-sized enterprises (SMEs), which is crowdfunded by individual and institutional investors.

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

• 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:

• Reading, assessing, analyzing, and interpreting client's credit data, financial statements, and other financial reports of companies
• Developing and utilizing credit scoring systems and statistical models to assist in credit decision.
• Preparing, evaluating, and completing credit proposals with thorough analysis of Applicant’s strength and weaknesses, repayment capacity and associated risk profile prior to submitting/recommending applications for decisioning.
• Establish and maintain effective professional relationships with individuals and the wider team, including both internal and external stakeholders such as sales personnel, legal officers and investors.
• Performing administrative and relief duties in relation to Credit functions or as assigned to you.
• Leading or providing support on ad-hoc projects and task assigned to you from time to time.
• Handling and management of various stakeholders within the organization across the Region.

What are we looking for:

• Minimum Degree qualification in Finance, Statistics, Mathematics, Accounting or Economics preferred.

• Preferably 2 - 5 years of experience in credit processing and analyst position.
• Experience in handling SME portfolio would be added advantage.
• Independent with persuasive interpersonal skills and results-driven.
• Target oriented and ability to work under pressure to meet targets.
• Good communications and written skills in English, Mandarin and Bahasa Malaysia. Ability to speak in Chinese Dialects would be added advantage.
• Familiar with Excel and accounting analysis.
• PCC/CCP qualification 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 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 curated learning programs on our internal learning platform.
• Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity