Credit Manager

**Funding Societies | Modalku** is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are 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**: Striving to become our best, most authentic selves.
- **Enable Teamwork, Disable Politics**: Only by forging togetherness, can we help each other succeed.
- **Test | Measure | Act**: Staying curious and reinventing ourselves, through innovation and experimentation.
- **Focus on Impact**: Creating impact through bias for action and tangible results.
- **Serve with Obsession**: Building win-win relationships for the long-term by having a customer obsession.

As a Credit Manager, you will be part of a team which is working to support our rapid growth at Funding Societies. Our credit team is responsible for making lending decisions. In addition to having a knack for problem-solving, it is absolutely crucial that you are willing to learn, understand and adapt to the fast paced environment.

**What you will do**:
Credit Assessment and Risk Analysis:

- Analyze risks, exposures, and perform due diligence for loan applicants using a proprietary platform, ensuring comprehensive risk assessment of SME clients.
- Evaluate the financial health of applicants through financial statements, market data, and industry trends, while considering macroeconomic factors that may impact the creditworthiness of the business.
- Balance credit risk and business risk by using analytical judgment to make educated and well-informed decisions on loan approvals.
- Conduct ongoing macro-economic, industry, and market analysis to understand potential impacts on the loan portfolio and provide recommendations for strengthening credit strategies.

Loan Evaluation and Decision Making:

- Recommend loan/facility amounts, repayment terms based on credit risk profiles while adhering to the Company’s risk management guidelines.
- Provide risk mitigation strategies for identified risks, such as enhanced collateral or structuring of loan terms, to protect the Company from potential defaults.

Credit Risk Management and Portfolio Oversight:

- Perform data management and maintenance to ensure the accuracy, integrity, and performance of the SME credit portfolio, supporting a comprehensive risk framework.
- Develop and implement credit rating models and management processes for SME customers to ensure a robust credit rating system that reflects the borrower’s risk profile.
- Monitor and manage the SME loan portfolio on an ongoing basis, providing a forward-looking view of portfolio performance and adjusting credit strategies based on emerging trends.

Reporting and Strategic Recommendations:

- Prepare regular reports on loan portfolio performance, highlighting risk areas and making recommendations to senior management for improving credit policies.
- Take on special projects to support the company’s strategic goals, including initiatives related to credit portfolio improvement, new market penetration, and risk management.

Team Collaboration and Leadership:

- Collaborate with cross-functional teams, including financial product, operations, legal, and risk management, to streamline loan processing and support the company’s overall objectives.

Compliance and Best Practices:

- Ensure all credit decisions are compliant with regulatory standards and internal credit policies.
- Continually refine credit scoring systems and recommend improvements to credit management processes based on industry best practices.

Scope:

- Works primarily with small and medium-sized enterprises (SMEs), providing financial analysis, risk assessment, and lending recommendations.
- Oversees loan portfolios that can range in size and complexity, requiring expertise in risk management and financial analysis.
- Plays a vital role in maintaining a balance between credit risk and business growth, ensuring both the financial health of the Company and the success of SME clients.

**Requirements**:
**What we are looking for**:

- Bachelor’s degree in Finance, Accountancy, Economics, or a related field.
- Professional certification (CFA, CPA, FRM) is a plus.
- Over 3 years of experience in working capital and trade underwriting, preferably focused on local SMEs in a financial institution or Fintech firm.
- 3+ years in credit risk assessment, lending, or financial analysis, with proven success in managing loan portfolios.
- Experience in creating credit rating models, policies, and procedures, with leadership potential to build processes from the ground up.
- Strong knowledge of financial statement analysis (income statements, balance sheets) and assessing creditworthiness.
- Expertise in