Relationship Manager, Commercial/Enterprise

Funding Societies | Modalku Group; Surabaya ꦱꦸꦫꦧꦪ; On-site; IDR 167,400,000 - 279,000,000; Full time

Benefits offered by this job

Flexible paid vacations

Health insurance coverage

Company laptop and equipment support

Job summary

Funding Societies | Modalku Group in Surabaya is seeking a Relationship Manager - Farmer to analyze client financial needs and manage relationships. This dynamic role requires the ability to foster long-term relationships, conduct credit assessments, and collaborate on loan proposals to ensure compliance and timely disbursement.

The ideal candidate will have 2 to 5+ years of experience in banking, excellent communication skills in English and Indonesian, and a strong analytical mindset.

Qualifications

• 2 – 5+ years of experience in a Relationship Manager role within commercial/corporate banking.
• Exceptional credit assessment skills and ability to conduct deep financial analyses.
• Strong analytical mindset to evaluate complex business situations and propose viable solutions.

Responsibilities

• Act as primary point of contact for a dedicated portfolio of existing borrowers.
• Conduct in-depth credit analysis and risk assessment for loan renewals.
• Identify opportunities for cross-selling and up-selling additional products.

Skills

Credit assessment skills

Analytical & problem-solving mindset

Relationship management

Communication skills in English and Indonesian

Job description

Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia, expanding into a leading SME neobank. We are licensed and registered in Singapore, Indonesia, Thailand, Malaysia, and operating in Vietnam, and backed by Sequoia India, Softbank Vision Fund 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.

Core Values

• 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

Role Overview

Modalku's Relationship Manager – Farmer will perform a role focusing on analysing client's business financial needs and relationship management, including new client acquisition, provision of financial advice and on‑going servicing of commercial and corporate clients.

The working environment is dynamic and flexible, with an innovative culture that supports personal career growth. Independence and good time management are required to perform day‑to‑day tasks and achieve quarterly targets.

What you will do

Portfolio Management & Monitoring

• Act as the primary point of contact for a dedicated portfolio of existing borrowers, fostering and deepening long‑term relationships
• Proactively monitor the financial health and business performance of portfolio accounts to identify early warning signs and mitigate credit risks
• Ensure timely fulfillment of all administrative and documentational requirements from borrowers, including financial statements and covenant compliance checks

Credit Analysis & Deal Execution

• Conduct in‑depth credit analysis and risk assessment for loan renewals, limit top‑ups, and restructuring proposals from the existing portfolio
• Prepare clear, concise, and accurate loan proposals, presenting a well‑justified case to the credit committee
• Oversee the end‑to‑end deal process for existing clients, from proposal writing to coordinating with Legal, Notary, and other internal divisions to ensure smooth and timely disbursement

Portfolio Growth

• Identify opportunities for cross‑selling and up‑selling additional products or services to existing, high‑quality borrowers
• Dedicate a portion of time (approx. 10%) to organic hunting—generating new leads through referrals from the existing client base (e.g., their suppliers or customers)

Requirements

• 2 – 5+ years of experience in a Relationship Manager role within commercial/corporate banking
• Exceptional credit assessment skills: Proven ability to conduct deep financial analysis (cash flow, balance sheet, P&L) and write comprehensive credit proposals. Must possess a strong balance between commercial judgement and prudent risk tolerance
• Strong analytical & problem‑solving mindset: Ability to critically evaluate complex business situations, identify potential risks, and propose viable solutions
• Relationship management: Ability to build trust and maintain long‑term, positive relationships with a diverse portfolio of clients
• High sense of responsibility and ownership over the assigned portfolio's performance and health
• Excellent communication, negotiation, and consultative skills in both English and Indonesian
• Good understanding of various industries and business models within the Indonesian SME landscape
• Ability to work effectively in a dynamic, fast‑paced environment and collaborate across multiple divisions

Benefits

• Time off – flexible paid vacations, additional holidays by country, and time off for birthdays and work anniversaries
• Flexible working – support for varied working styles and personal life balance
• Medical benefits – health insurance coverage for employees and dependents
• Mental health and wellness – organisation‑wide fitness initiatives and well‑being coaching
• Tech support – company laptop and equipment support to enable high productivity