Chief Risk Officer

Funding Societies | Modalku is the largest SME digital finance platform in Southeast Asia, licensed and operating in Singapore, Indonesia, Thailand, Malaysia, and Vietnam. Backed by Sequoia India, Softbank Vision Fund, Khazanah, SMBC bank and others, we provide business financing to SMEs funded by individual and institutional investors, as well as payments solutions to SMEs and consumers. 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 seeking an experienced and strategic Chief Risk Officer to lead our risk function across Southeast Asia. This role shape and execute a comprehensive risk management framework that supports growth in Singapore, Malaysia, Indonesia, Thailand, and Vietnam. Working closely with product, credit, compliance, data and operations, you will embed a strong risk culture, enable responsible innovation and ensure resilience across all aspects of our business. What you will do: Lead and scale the regional risk function, focusing on credit, portfolio and operational risk and overseeing risk teams across all operating markets. Play a critical role in driving the company’s path to profitability by enabling sustainable yet commercially viable business models and proactively managing enterprise‑wide risk exposure. Oversee regional portfolio performance, risk governance, risk appetite setting, stress testing, provisioning, and regulatory reporting from a risk perspective. Drive development and refinement of credit risk frameworks, underwriting models, scorecards, collections strategies and fraud prevention mechanisms, particularly for SME lending. Leverage data and analytics to monitor portfolio health in real time, identify early warning signals and drive data‑driven decisions in underwriting and risk mitigation, supported by stress testing and scenario analysis. Stay ahead of emerging risks including those related to technology, cybersecurity and market shifts. Collaborate with senior leadership, risk committee and the board, presenting risk dashboards, insights and strategic risk assessments to support long‑term decision making. Partner with product, technology, operations and data teams to embed smart, scalable and automated risk controls into the digital lending platform. Build and lead a high‑performing risk team while cultivating a risk‑aware culture across the organization. What we are looking for: 12+ years of experience in credit and operational risk management, spanning large financial institutions and high‑growth or innovative firms, with a proven record of leading teams of 8+ professionals across functions and geographies. Solid experience in financial services or banking, with fintech or digital lending exposure preferred. Deep understanding of Southeast Asian markets and proven ability to navigate diverse regulatory environments and credit behaviours. Proven credit underwriting expertise in SME and consumer lending, with a track record of building risk scorecards, fraud frameworks and effective collections strategies. Familiarity with risk governance structures and demonstrated experience engaging senior leadership and presenting to the board. Data‑driven mindset with proficiency in analytics, dashboards and AI/ML based models for real‑time portfolio monitoring, early‑warning detection and decision making. Strategic thinker and clear communicator with cross‑functional exposure; skilled at influencing stakeholders, articulating risk trade‑offs and advocating for responsible innovation in partnership with product, engineering, finance, legal and compliance leaders. Benefits: Time off – flexible paid vacations, observed holidays and special days for birthdays and anniversaries. Flexible working – control of work and life, accommodation of personal working style. Medical benefits – health insurance coverage for employees and dependents. Mental health and wellness – organisational fitness initiatives and well‑being coaching. Tech support – company laptop and equipment support for high productivity. Seniority level: DirectorEmployment type: Full‑timeJob function: OtherIndustries: IT Services and IT Consulting #J-18808-Ljbffr