Senior Data Analyst - Risk

PT Mitrausaha Indonesia Grup; Daerah Khusus Ibukota Jakarta; Hybrid; USD 20.000 - 30.000; Full time

Job summary

A leading SME digital finance platform in Jakarta is seeking a Senior Data Analyst to join their Risk team. This role involves analyzing credit risk performance and collaborating with cross-functional teams to enhance decision-making processes. Candidates should have at least 5 years of experience in data analytics or credit risk management and strong skills in SQL and Python. The company offers flexible working hours, medical benefits, and a focus on mental wellness.

Benefits

Flexible paid vacations

Health insurance

Mental health initiatives

Tech support

Qualifications

• Minimum 5 years of experience in credit risk management or data analytics.
• Strong proficiency in SQL and Python.
• Proven experience in financial statement analysis.

Responsibilities

• Monitor and analyse credit risk performance across portfolios.
• Collaborate with credit teams to understand repayment behavior.
• Design and maintain credit risk dashboards.

Skills

SQL

Python

Business Intelligence Tools

Communication Skills

Stakeholder Management

Education

CFA Certification

FRM Certification

Chartered Banker Certification

Tools

Tableau

Qlik

Power BI

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.

As a Senior Data Analyst (Risk) at Funding Societies, you'll sit at the intersection of Business and Data, working closely with our Risk and Credit teams to unlock insights, improve decision-making, and shape the future of credit risk management.

We’re looking for someone who is passionate about data, automation, and AI, with a curious and analytical mindset. You should have a strong sense of ownership, a hands-on approach to data, and a passion for data exploration, insight generation, and automation.

This role is ideal for someone who thrives in a fast-paced environment, values autonomy, and is excited by the opportunity to make a real impact. If you're humble, resourceful, and motivated by solving meaningful business problems through data, you’ll feel right at home with us.

At Funding Societies, we believe that if you’re consistently adding value to the business—you own your journey.

What you will do:

• Monitor and analyse credit risk performance across Group and country-level portfolios, identifying trends, anomalies, and emerging risks.
• Collaborate closely with credit teams to understand and analyse customer repayment behavior, delinquency patterns, and loss drivers.
• Generate ad-hoc reports and deep-dive analyses to support business and risk decisions, and confidently findings to cross-functional stakeholders and senior management.
• Design, develop, and maintain self-service credit risk dashboards, reports, and other analytical infrastructure to support scalable and timely risk monitoring.
• Work with data engineers to define requirements for data pipelines and ensure accuracy, consistency, and availability of key data assets for analysis.
• Support the automation of recurring reports and workflows to increase operational efficiency and reduce manual effort.
• Participate in the creation and enhancement of new risk metrics and analytical methodologies, including segmentation strategies and performance tracking.
• Contribute to portfolio-level analysis related to ECL, vintage curves, and risk segmentation, supporting regulatory and internal forecasting requirements.
• Ensure alignment of analytics with data governance, compliance, and model risk management standards.

• Minimum 5 years of experience in credit risk management, or data analytics.
• Strong proficiency in SQL and Python, with hands-on experience using business intelligence tools (e.g. Tableau, Qlik, Power BI).
• Proven experience in financial statement analysis, credit risk scoring, cohort performance analysis, and other risk assessment techniques.
• Knowledge of regulatory frameworks (e.g. IFRS 9, Basel II/III) and best practices in risk governance and reporting.
• Strong communication and stakeholder management skills, with a track record of managing cross-functional projects and engaging with senior leadership to translate data insights into actionable business decisions.
• Basic understanding of data warehousing, ETL processes, and working with large datasets.
• Experience in dashboard development, report automation, and driving data quality improvements is a plus.
• CFA, FRM, or Chartered Banker certifications are an added advantage.

• 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's 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.