Senior Analyst / Lead Analyst (Debt Financing)

pitchIN; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading digital fundraising platform in Kuala Lumpur is seeking a Senior Analyst to drive smart lending decisions. You will build credit models, assess risk across industries, and evaluate potential borrowers to inform funding decisions. The ideal candidate has 3-6 years of credit analysis experience and expertise in financial modeling. This full-time position offers competitive growth opportunities in a fast-paced environment.

Qualifications

• 3-6 years of credit analysis experience in relevant fields.
• Ability to perform cash flow and ratio analysis.
• Strong written communication for credit memos and recommendations.

Responsibilities

• Build and refine credit models to assess risk.
• Conduct financial analysis of potential borrowers.
• Present investment cases and recommend deals.

Skills

Credit analysis experience

Advanced financial modeling skills

Statistical analysis proficiency

Detail-oriented mindset

Tools

Excel

SQL

Python

R

Job description

Senior Analyst / Lead Analyst (Debt Financing)

pitchIN Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia

Overview

Do you have a sharp eye for spotting creditworthy businesses that others might overlook? Are you ready to build the analytical foundation that drives smart lending decisions in Malaysia's fast-growing alternative finance sector?

The Opportunity

As a Senior/Lead Analyst at pitchIN, Malaysia's leading Digital Fundraising and Investment Hub, you'll be responsible for the critical decisions that determine which businesses access debt financing through our platform. Your analysis directly impacts both entrepreneur success and investor returns.

You\'ll spend your days building and refining credit models that can accurately assess risk across diverse industries, from tech startups to established SMEs. You\'ll also evaluate individual deals, conducting thorough financial analysis to recommend the most promising opportunities for our debt crowdfunding platform. Your work ensures that deserving businesses get funded while protecting investor capital.

Why pitchIN?

• Decision-Making Authority: Your analysis directly determines which businesses receive funding and shapes Malaysia\'s entrepreneurial landscape
• Cutting-Edge Analytics: Build sophisticated credit models using the latest data science techniques and alternative data sources
• Diverse Deal Flow: Evaluate businesses across industries, from tech startups to established SMEs seeking growth capital
• Market Leadership: Be part of Malaysia\'s most trusted debt crowdfunding platform with proven track record
• Professional Growth: Develop world-class credit analysis skills while working with innovative financing structures

What Makes this Role Extraordinary?

Credit Modeling & Risk Assessment

• Engineer sophisticated credit scoring models by analyzing financial data, business performance metrics, and alternative data sources to predict default probability and optimize lending decisions
• Continuously enhance model accuracy through backtesting, performance monitoring, and incorporating new data variables that improve predictive power
• Develop automated screening tools that streamline initial deal assessment while maintaining rigorous credit standards
• Build risk segmentation frameworks that enable differentiated pricing and terms based on borrower risk profiles
• Create comprehensive credit policies that balance growth objectives with prudent risk management

Deal Assessment & Investment Recommendations

• Conduct deep-dive financial analysis of potential borrowers including cash flow modeling, financial statement analysis, and business viability assessment
• Evaluate management quality and business fundamentals to assess execution risk and growth potential
• Perform industry and competitive analysis to understand market dynamics and company positioning
• Structure optimal deal terms including interest rates, repayment schedules, and security arrangements that balance borrower needs with investor expectations
• Present compelling investment cases to internal committees and recommend deals for debt crowdfunding platform listing

Portfolio Monitoring & Optimization

• Track portfolio performance across key metrics including default rates, recovery rates, and investor returns
• Implement early warning systems to identify potential problem loans and recommend intervention strategies
• Conduct post-investment monitoring of borrower performance and covenant compliance
• Generate insightful reports for investors, management, and regulators on portfolio health and market trends
• Optimize platform performance by analyzing deal characteristics that drive successful outcomes

Essential Excellence – What You Bring to the Table

• 3-6 years of credit analysis experience in banking, alternative lending, corporate finance, or investment analysis
• Advanced financial modeling skills with expertise in cash flow analysis, ratio analysis, and credit risk assessment methodologies
• Statistical analysis proficiency using tools like Excel, SQL, Python, R, or specialized credit modeling software
• Deep understanding of financial statements and ability to identify key risk factors and financial health indicators
• Industry knowledge across multiple sectors with understanding of business models, market dynamics, and operational risks
• Strong written communication with ability to prepare clear, compelling credit memos and investment recommendations
• Detail-oriented mindset with proven track record of accurate analysis under tight deadlines

Bonus Superpowers

• Credit scoring model development experience with machine learning applications in risk assessment
• Alternative lending or fintech experience with understanding of digital lending platforms and crowdfunding dynamics
• CFA, FRM, or related professional certification demonstrating advanced financial analysis expertise
• Regulatory knowledge of Malaysian financial services guidelines and debt crowdfunding regulations
• Database management skills for handling large datasets and building automated reporting systems
• SME lending experience with understanding of small business credit challenges and evaluation techniques

Ready to Shape Malaysia\'s Lending Future?

Join us in building the analytical foundation that powers smart lending decisions. At pitchIN, your expertise becomes the bridge between deserving businesses and the capital they need to thrive, while ensuring investors achieve attractive risk-adjusted returns.

Your analytical excellence drives entrepreneurial success.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Business Development and Sales