Credit Policy Analyst

PT Mitrausaha Indonesia Grup; Kuala Lumpur; On-site; MYR 80,000 - 100,000; Full time

Job summary

A leading SME financial platform in Kuala Lumpur is seeking a Credit Risk Analyst to design and refine credit policies. You will analyze portfolio performance, conduct A/B testing to optimize strategies, and mentor your team. The ideal candidate has a Bachelor's Degree and 6-8 years of credit risk experience, particularly in the MSME sector. This role offers flexible working and comprehensive benefits to support employee well-being.

Benefits

Flexible paid vacations

Health insurance coverage

Wellness programs

Company laptop and tech support

Qualifications

• 6-8 years of experience in credit risk, preferably in MSME segment.
• Familiar with local regulations in the ASEAN region.
• Passion for working with large amounts of unstructured data.

Responsibilities

• Design, maintain, and refine credit policies for various portfolios.
• Analyze portfolio data to identify trends and improve policies.
• Conduct A/B testing on credit underwriting and collection strategies.

Skills

Numerical skills

Analytical skills

Communication

Interpersonal skills

Education

Bachelor’s Degree in Statistics/Engineering/Analytics

Tools

MS Excel

SQL

Python

R

Job description

Overview

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.

The successful hire will report to the Regional Head of Credit Risk and work closely with country credit teams to monitor and analyse portfolio quality and provide recommendations for improvement and execution.

Responsibilities

• Design, Maintain, Own and continuously refine credit policies for various portfolios
• Ensure policies are aligned to organization goals and regulatory guidelines
• Analyse portfolio data borrower behaviour and portfolio performance to identify trends and hidden nuances and improve credit policies
• Explore new alternate data sources to improve risk models and decisioning
• Closely work with credit MIS, credit underwriting and collections team to understand portfolio health and recommend course corrections including refinements to risk models and decisioning algorithms
• Conduct A/B testing (champion-challenger) on credit underwriting and collection strategies to optimize approval rates and reduce losses
• Regular updates to senior management including the Risk Committees
• Closely work with external parties such as various credit bureaus and data partners to understand market landscape and how it affects our lending strategies
• Handle Audit queries on matters related to credit risk policies and decisions
• Build a strong credit policy team and mentor junior members

Qualifications

• Bachelor’s Degree or above in Statistics/Engineering/Analytics or similar from a University
• At least 6-8 years of experience in credit risk preferably in the MSME segment
• Familiar with local regulations and data landscape in the ASEAN region
• Strong numerical and analytical skills
• Passionate about working with large amounts of unstructured data
• Good working knowledge of MS Excel and SQL or Python or R
• Strong communication and interpersonal skills
• Ability to work in a fast-paced evolving environment with a steep learning curve

Benefits

• 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 have Wellness Wednesdays and we 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

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