SME Credit Analyst - Surabaya (Flexible Hours & Benefits)

PT. Mitrausaha Indonesia Grup (Modalku); Surabaya ꦱꦸꦫꦧꦪ; On-site; IDR 180,000,000 - 360,000,000; Full time

Benefits offered by this job

Flexible vacations

Flexible working

Health insurance

Wellness programs

Company laptop

Job summary

Funding Societies | Modalku, a leading SME digital finance platform in Southeast Asia, seeks a Credit Analyst in Indonesia to safeguard portfolio growth through thorough risk evaluation and data-driven insights. You will deliver detailed reports to the Credit Committee and help enforce lending policies with precision.

Join a fast-paced environment that values accuracy, collaboration, and continuous improvement, while supporting scalable SME financing across the region.

Qualifications

• Minimum 3–5 years as a Credit Analyst in banking or P2P lending.
• Strong ability to analyze business financial statements and risk.
• Detail oriented with verification and critical thinking skills.

Responsibilities

• Evaluate customer data and financial documents to assess risk.
• Verify documents as part of credit assessment processes.
• Prepare spreadsheets and detailed written reports for loan committee.
• Identify and provide mitigation actions for all risks entailed.
• Provide professional opinions to Credit Committee per policy and guidelines.
• Track loan covenants to ensure compliance and complete other duties.

Skills

Credit risk assessment

Financial statement analysis

Data-driven decision making

Attention to detail

Communication (Bahasa & English)

Job description

Funding Societies | Modalku, a leading SME digital finance platform in Southeast Asia, seeks a Credit Analyst in Indonesia to safeguard portfolio growth through thorough risk evaluation and data-driven insights. You will deliver detailed reports to the Credit Committee and help enforce lending policies with precision.

Join a fast-paced environment that values accuracy, collaboration, and continuous improvement, while supporting scalable SME financing across the region.