Senior Data Analyst - Portfolio & Risk Analytics

Funding Societies | Modalku; Kuala Lumpur; Hybrid; MYR 150,000 - 190,000; Full time

Benefits offered by this job

Health insurance

Company laptop

Flexible working arrangements

Paid holidays

Job summary

Funding Societies | Modalku, Southeast Asia’s SME digital finance platform, seeks a Senior Lending Analyst to own portfolio risk metrics and risk-informed leadership reporting. You will surface early warning signals across delinquency, vintage, concentration, and provisioning analytics, influencing strategic decisions and risk controls.

You will collaborate with Risk, Credit, Data Science, Finance, and Engineering, delivering clear recommendations with strong data governance and a proactive,

Qualifications

• 5+ years of experience in credit risk, portfolio, or lending analytics, ideally within a regulated lending or financial services environment.
• Working knowledge of core credit risk concepts: delinquency and non-performing loan metrics, vintage/cohort analysis, concentration risk, credit loss provisioning.
• Strong SQL skills and experience with BI or data visualisation tools.
• Strong, structured problem-solving and analytical reasoning.
• Ability to translate portfolio risk findings into clear recommendations for leadership.

Responsibilities

• Own core credit risk metrics (delinquency rates, non-performing loan ratio, provisioning adequacy) and ensure they are accurate and traceable.
• Build and maintain cohort-based analysis of loan performance to track quality trends across markets and products.
• Track credit concentration risk across borrowers, industries, geographies, and products.
• Connect macroeconomic indicators to portfolio performance, building dashboards for early visibility into risk.
• Build borrower and portfolio segmentation and run scenario-based stress tests to identify vulnerable segments ahead of time.
• Partner with Risk, Credit, Data Science, Finance, and Engineering to align definitions and present findings to leadership.

Job description

As a Senior Lending Analyst focused on portfolio and risk, you own the metrics and reporting that give leadership a clear, forward-looking view of loan portfolio health. You'll work across delinquency, vintage, concentration, and credit loss provisioning analytics to surface early warning signals before risk materialises.

Key responsibilities

• Own core credit risk metrics (delinquency rates, non-performing loan ratio, collection rate, provisioning adequacy) and ensure they are accurate, reconciled, and traceable to an approved source of truth
• Build and maintain cohort-based analysis of loan performance by origination period to track quality trends across markets and products
• Track credit concentration risk across borrowers, industries, geographies, and products, and support monitoring against internal risk limits
• Connect macroeconomic indicators to portfolio performance, building dashboards that give leadership early visibility into emerging risk
• Build borrower and portfolio segmentation, and run scenario-based stress tests to identify vulnerable segments ahead of time
• Partner with Risk, Credit, Data Science, Finance, and Engineering to align on metric definitions and present findings to leadership

About you

• 5+ years of experience in credit risk, portfolio, or lending analytics, ideally within a regulated lending or financial services environment
• Working knowledge of core credit risk concepts: delinquency and non-performing loan metrics, vintage/cohort analysis, concentration risk, credit loss provisioning
• Strong SQL skills and experience with BI or data visualisation tools
• Strong, structured problem-solving and analytical reasoning
• Ability to translate portfolio risk findings into clear recommendations for leadership
• Independent and proactive, comfortable operating with ambiguity, and rigorous about data governance
• Flexible paid vacations and observed holidays by country, plus a day off for special days like birthdays and work anniversaries
• Flexible working arrangements with trust and space to accommodate working style and personal life
• Health insurance coverage for employees and dependents
• Org-wide fitness initiatives and well-being coaching partnerships
• Company laptop and support for equipment and tools to enable high productivity

About us

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.