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!

Requirements:
What we are looking for:

• Candidate must be Malaysian.
• Bachelor’s Degree in Accounting, Finance, Economics or any other equivalent.
• Preferably 1 to 3 years of credit risk analysis, ideally within a financial institution, factoring house, or other credit-intensive industry. Experience managing SME portfolios is a plus.
• Fresh graduates with a strong interest in credit analysis, and a solid academic background are also encouraged to apply.
• Strong communication and interpersonal skills, with the ability to collaborate effectively across departments.
• Self-motivated, capable of working independently, managing multiple priorities, and thriving in a fast-paced, dynamic environment.
• Proficient in Excel and financial / accounting analysis.

You will shine if you have:

• Possesses certifications applicable to the role, demonstrating commitment to professional development.
• Adaptable, proactive, and a team player with strong communication skills and a positive, solution-focused attitude.

What it is in for you:

Grow Fast, Go Far

• We’re scaling and so can your career. You will have room to innovate, experiment, and learn as you go. New ideas are always welcome here.

Learning Never Stops

• From on-the-job training to workshops and industry insights, we support your growth. Curiosity is more than welcome; it’s encouraged.

Vibrant Team, Open Culture

• Join a young, energetic team where collaboration beats hierarchy. We keep things transparent, inclusive, and just the right amount of fun.

Modern Office, Prime Location

• Work from a sleek, modern office just steps away from Abdullah Hukum LRT station. Your commute just got a major upgrade.

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 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.