Senior Lending Analytics Lead: Portfolio Risk & Insights

Funding Societies Pte Ltd.; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Benefits offered by this job

Time off

Flexible working

Medical benefits

Mental health and wellness

Tech support

Job summary

Funding Societies | Modalku is seeking a Senior Lending Analyst focused on portfolio and risk. You will 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. Collaborate with Risk, Credit, Data Science, Finance and Engineering to align on metric definitions and present findings to leadership.

Qualifications

• 5+ years of experience in credit risk, portfolio, or lending analytics.
• Knowledge of delinquency, vintage, concentration and provisioning metrics.
• Strong SQL and BI/data visualization tools experience.
• Ability to translate portfolio risk findings into leadership recommendations.
• Independent and proactive, with rigorous data governance.

Responsibilities

• Portfolio Risk Reporting: own core credit risk metrics and ensure accuracy and traceability.
• Vintage & Origination Analysis: cohort-based analysis of loan performance by origination period.
• Concentration & Exposure Monitoring: monitor risk across borrowers, industries, geographies and products.
• Macro-to-Portfolio Analysis: connect macro indicators to portfolio performance and build leadership dashboards.
• Segmentation & Scenario Analysis: build segmentation and run stress tests to identify vulnerable segments.
• Collaboration: partner with Risk, Credit, Data Science, Finance and Engineering to align on metrics.

Skills

Credit risk

Portfolio analytics

SQL

Data visualization

Risk reporting

Leadership communication

Tools

BI tools

Job description

Funding Societies | Modalku is seeking a Senior Lending Analyst focused on portfolio and risk. You will 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. Collaborate with Risk, Credit, Data Science, Finance and Engineering to align on metric definitions and present findings to leadership.