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
This role will be responsible for overseeing the company's credit and risk matters, ensuring that all credit related activities are in compliance with internal policies and external regulatory requirements; including credit underwriting, operations and collection activities. The role will lead and manage a team of credit professionals to ensure all key metrics are met.
What will you do :
To implement and ensure customer selection and acceptance framework to be within the acceptable credit decisioning framework and in compliance with internal and external guidelines / procedures / limitsTo identify emerging and material risks within product portfolio and provide recommendations and solutions to Management on credit & recovery risk portfolio managementTo provide subject matter expert recommendations, advice, input / counsel to relevant stakeholders including Business Unit, Credit & Risk Committees or Management as neededTo provide feedback and guidance on best practices and advise on acceptable structure of financing applications to the business unitTo develop, enhance and monitor the performance of the credit scoring systems and statistical models in credit decisionTo manage and monitor the efficacy of credit policies, procedures and supporting mechanisms in controlling credit risk and making appropriate credit related recommendationsRequirements
What are we looking for :
Minimum 7 years of experience in credit (underwriting & operations)Strong analytical and problem solving skills with ability to analyse and interpret credit and repayment dataAbility to execute and drive projects to completion in a timely mannerExperience in handling SME portfolioStrong knowledge of lending principles and credit management in Financial Service environmentKnowledge and experience in financial product developmentExperience in managing a team and work collaboratively with cross functional / department teamsPerformance driven and ability to work under pressure to meet targetsBenefits
Time off - flexible paid vacations and observed holidays; personal days on birthdays and work anniversariesFlexible working - space to accommodate individual working stylesMedical benefits - health insurance coverage for employees and dependentsMental health and wellness - org-wide wellness initiatives and wellbeing coachingTech support - company laptop and necessary tools to enable productivityInterested to know more about us? Learn about our Stories here.
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