Senior Credit Analyst

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.
Here at Funding Societies | Modalku we live by our core values GETFS:

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

Funding Societies Vietnam is seeking a mid-to-senior Credit Analyst. The successful candidate will perform risk analysis and assessment tasks for SME credit facilities, including but not limited to financial statements, bank statements, credit reports, asset records, invoices, sales contracts, etc., to support credit decision-makers within specified TAT and ensure the quality of the credit portfolio according to Group Policies.

What you will do:

• Go through all documents from the borrowers and/or Sales Team then give the queries to clear everything
• Analyze the level of risk for lending, request additional information and conduct a physical site visit as necessary
• Prepare underwriting reports with proposals of loan structure, term-conditions and submit to Credit Decision Makers together with the rationale and justifications as well.
• Proactively identify signs of fraud and risk factors to advise credit decision-makers with risk mitigation solutions accordingly.
• Communicate with Relationship manager, other teams and line manager to maintain a case-by-case follow-up for potential clients
• Resolve pre- and post-closing issues as they relate to underwriting matters.
• Proactively propose improvements/comments/Ideas… related to credit processes, products, risk management, etc., as well as applying AI tools and automated processes to daily work
• Collaborate with internal and external stakeholders including but not limited Product, Data, Tech Team, Sales team, OPS Team, Compliance Team… for any projects at country level and Group as well
• Make related reports to support line manager, country director in management activity
• Other tasks assigned by line manager

• Completed Bachelor and/or Master’s degree within Banking, Finance, Accounting or related fields
• Solid understanding of central bank regulations on credit granting, debt classification, and provisioning, as well as Corporate Law, Civil Law, and collateral-related regulations. 
• A minimum of 3 years’ experience in SMEs credit assessment process in banks/FIs or Fintech at the same role.
• Good understanding of SME business models, production cycles, and industry-specific risks across various sectors 
• Strong capability to evaluate business models, cash flows, and the financial feasibility of business plans/investment projects to ensure debt repayment capacity.
• Proven ability to deeply analyze and verify the transparency of Financial Statements, Tax Reports, bank statements…
• Proficient with Google Ecosystem, AI tools…
• Good English skills, Problem-solving and Analytical skills
• Ability to work in a multicultural team, and outside of business hours when necessary
• Ability to work independently and manage multiple cases in a fast-paced environment

• 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 backs 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 organize org-wide fitness initiatives and engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

Interested to know more about us? Learn about our Stories here.