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&aposre looking for self-starters who take initiative, thrive on learning, and are passionate about continuous improvement.
As a
Credit Analyst, you&aposll 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 numbers! Read, analyze, and interpret clients&apos credit data, financial statements, and reports to understand how companies tick
- Evaluate credit applications and provide solid, well-thought-out recommendations
- Make sure every credit review aligns with the company&aposs credit strategy and policies
- Keep an eye on the bigger picture by conducting industry studies and tracking economic trends, so our business units stay one step ahead in a fast-paced world
- Get involved in credit-related projects, system upgrades, and process improvements. Your ideas matter here!
- Take on ad-hoc tasks and special assignments from your supervisor. Flexibility and initiative are always appreciated!
Requirements
What we are looking for:
- Candidate must be Malaysian
- Bachelor&aposs 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
- 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:
- 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&aposre 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&aposs 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&aposs 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
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