Relationship Officer, Secured Lending (Surabaya)

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.

We are looking for a driven and result-oriented Relationship Officer (RO) to join our Secured Lending team in Surabaya. This role is focused on business hunting, identifying and acquiring clients with potential assets for secured financing. You will play a key role in expanding our loan portfolio by generating leads, managing client relationships, and providing tailored financing solutions that fit the borrowers’ needs.

What you will do:

• Proactively source, identify, and acquire new clients with potential collateralized assets suitable for secured lending.
• Generate and qualify leads through networking, referrals, and market intelligence.
• Retain and expand existing customer relationships by understanding their evolving business needs.
• Conduct comprehensive fact-finding with prospective and existing clients to identify opportunities and structure appropriate financing solutions.
• Collaborate with internal teams to ensure a seamless end-to-end client experience.
• Stay up to date with market trends, industry movements, and competitors’ activities.

Requirements:
What we are looking for:

• 2–3 years of experience in secured lending, B2B sales, or financial institutions with exposure to collateral-based financing.
• Proven track record in hunting and acquiring new clients; not limited to SME cash flow analysis but focused on asset-backed lending opportunities.
• Experience in managing a portfolio or target with ticket sizes up to IDR 5 billion (maximum cap at IDR 10 billion).
• Strong understanding of general industry landscapes, with specialization in 1–2 key industries preferred.
• Excellent communication, negotiation, and persuasive selling skills.
• Hunter mindset with strong critical thinking and analytical capability.

Benefits:
Other 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.