**Funding Societies | Modalku** is the largest SME digital financing platform in Southeast Asia, expanding into a leading SME neobank. We are licensed and registered in Singapore, Indonesia, Thailand, Malaysia, and operating in Vietnam, and backed by Sequoia India, Softbank Vision Fund 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.**And 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.Our credit team is integral to the success of our business at Funding Societies | Modalku, and this is the opportunity for an experienced SME Senior Credit Analyst to join the team in a key role where you will be able to actively influence and make an impact in the business.**What you will do**:- Ensure validity of customers' information by site visit or phone verification- Having knowledge of key issues up-to-date (for example legal, market risk, regulation, and compliance)- Ensure adherence to the laid down policies and procedures for the smooth running of the division- Giving feedback and recommendation about current procedural and policy whether implementable or having the gaps- Identify & provide feedback on potential risk and implement the proposed solutions- Coordinate with support staff for getting CPV checks done for new customer as well as renewal customers- Monitor accounts (i.e. cash flows, repayments, account behaviour, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards- Undertake regular review and monitor SME book to ensure that any adverse movements are highlighted and rectified proactively- Identify borrower utilization (under or over) and proactively initiate corrective measures**Requirements**:- 3 years of experience in Corporate, Commercial, SME, or Micro loan underwriting, preferably within the SME sector or alternative Multi-finance or banking sector- Knowing credit cycles and risk management role responsibility. Understand where risk should be in the business model- Ability to interpret key financial statements and an understanding of the key risk drivers specific to SMEs or Unsecured Loan- An analytical mind set with a practical approach to problem solving- To be confident, focused and enthusiastic. He/she should be comfortable in a fast-paced start-up environment where every month needs to be a record month- Good communication skills. He/she will have direct telephone contact and visit with loan applicants to extract additional information**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 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 self-learning L&D allowances.- _Tech Support_ - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity
