Senior Data Analyst: Portfolio Risk & Insights Leader

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

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,