Senior SME Credit Analyst

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 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.