Associate Manager, Credit

Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provides business financing to small and medium-sized enterprises (SMEs), which is crowdfunded by individual and institutional investors. And here at Funding Societies | Modalku we live by our core values:

• Grow Relentlessly: Striving to become our best, most authentic selves.
• Enable Teamwork, Disable Politics: Only by forging togetherness, can we help each other succeed.
• Test | Measure | Act: Staying curious and reinventing ourselves, through innovation and experimentation.
• Focus on Impact: Creating impact through bias for action and tangible results.
• Serve with Obsession: Building win-win relationships for the long-term by having a customer obsession.

As a Associate Manager, Credit, you will be responsible for handling credit cases (preferably the complicated one) from beginning to the end. Associate Manager, Credit is also responsible to assist the Credit Manager/AVP for other tasks as well, whether it is related to credit or even beyond that. Furthermore, he/she is also responsible for mentoring Junior credit analysts, as they prepare to embark further in their career to managing people.

What you will do:

• Evaluating customer’s data and financial documents to determine the degree of risk involved to reduce the risk of customer disputes
• Conduct document and information checking and verification as part of credit assessment processes,
• Prepare spreadsheets and detailed written reports to be presented to the loan committee,
• Identification and provide mitigation actions of all risks entailed,
• Provide professional opinions and/or recommendations to Credit Committee regarding customers’ financial credit status referring to credit policy and guidelines
• Track loan covenants to ensure compliance & complete other duties as assigned.

• Having minimum 5 years working experience as a Credit Analyst and/or Relationship Manager for Lending Business (SME/Commercial segment) in banking and/or relevant lending industry regulated by OJK.
• Ability to work independently with minimal supervision.
• Excellent understanding in business financial statements, analytical skills, and mindset,
• Detail oriented, have a strong verification and critical thinking skills,
• Ability to maintain a high level of professionalism and positive attitude with team members and clients,
• Ability to communicate with stakeholders and peers in effective written and verbal communication skills both in Bahasa & English.

• 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 back 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. And we have our Great FSMK Workout sessions too to keep everyone healthy and fit!
• Learning & Development - We believe learning should never end and we support everyone with self-learning L&D allowances.
• Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity