Associate Credit Manager - Surabaya

Funding Societies | Modalku Group; Surabaya ꦱꦸꦫꦧꦪ; On-site; IDR 89,280,000 - 156,240,000; Full time

Job summary

Funding Societies | Modalku in Surabaya is seeking a Credit Analyst to support risk assessment for SME lending. You will evaluate customer data, financial statements, and documents to determine credit risk and inform lending decisions.

The ideal candidate has 3–5 years in banking or P2P lending, strong analytical skills, attention to detail, and the ability to present findings to the Credit Committee. This role offers growth within a dynamic fintech platform.

Qualifications

• 3–5 years working experience as a Credit Analyst (SME/Commercial) in banking or P2P lending.
• Strong ability to interpret business financial statements and apply analytical thinking.
• Detail oriented with verification and critical thinking skills.

Responsibilities

• Evaluating customer’s data and financial documents to determine the degree of risk involved to reduce the risk of customer disputes.
• Conduct document and information checking and verification as part of credit assessment processes.
• Prepare spreadsheets and detailed written reports to be presented to the loan committee.
• Identification and provide mitigation actions of all risks entailed.
• Provide professional opinions and/or recommendations to Credit Committee regarding customers’ financial credit status referring to credit policy and guidelines.
• Track loan covenants to ensure compliance & complete other duties as assigned.

Skills

Credit risk analysis

Financial statement analysis

Analytical thinking

Detail orientation

Verifications

Risk mitigation

Job description

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.

To safeguard the business's portfolio growth by thoroughly evaluating credit risk, providing accurate financial insights, and ensuring compliant lending decisions.

• Risk Mitigation: Protect the platform from non-performing assets by critically verifying borrower financial data and anticipating potential loan risks.
• Informed Decision-Making: Deliver clear, data-driven financial reports and expert recommendations to the Credit Committee to enable swift, sound lending approvals.
• Portfolio Health: Maintain long-term compliance and operational integrity by tracking loan covenants and strictly enforcing company credit policies.

What you will do:

• Evaluating customer’s data and financial documents to determine the degree of risk involved to reduce the risk of customer disputes,
• Conduct document and information checking and verification as part of credit assessment processes,
• Prepare spreadsheets and detailed written reports to be presented to the loan committee,
• Identification and provide mitigation actions of all risks entailed,
• Provide professional opinions and/or recommendations to Credit Committee regarding customers’ financial credit status referring to credit policy and guidelines,
• Track loan covenants to ensure compliance & complete other duties as assigned.

What we are looking for:

• Having minimum 3 to 5 years working experience as a Credit Analyst (SME/Commercial segment) in banking and/or peer-to-peer lending industry,
• Excellent understanding in business financial statements, analytical skills, and mindset,
• Detail oriented, have a strong verification and critical thinking skills,