Overview
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, 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), 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
We are seeking an experienced and strategic Chief Risk Officer to lead our risk function across Southeast Asia. You will shape and execute a comprehensive risk management framework that supports growth across five markets : Singapore, Malaysia, Indonesia, Thailand, and Vietnam. You will be a critical member of the leadership team and a trusted advisor to the CEO, Board, and cross-functional teams, embedding a strong risk culture and ensuring resilience across all aspects of our business. You will oversee risk governance, credit risk, portfolio risk, operational risk, regulatory risk, market risk, tech and emerging risks to ensure our digital lending, payments and fintech operations are robust, scalable, and compliant across diverse regulatory environments.
This role balances growth and risk to enable strategic expansion while protecting the companys interests, customers, and stakeholders through proactive risk identification, assessment, and mitigation strategies.
Responsibilities
Lead and scale the regional risk function, focusing on credit, portfolio, and operational risk. Oversee risk teams across all operating markets and partner with leaders from Business, Compliance, Legal, Tech, and FinanceDrive the company’s path to profitability by enabling sustainable, commercially viable models and proactively managing enterprise-wide risk exposure. Shape risk policies that enable innovation while safeguarding financial strength and reputational trust, with a forward-looking focus on new products and initiativesOversee regional portfolio performance, risk governance, risk appetite setting, stress testing, provisioning, and regulatory reportingDevelop and refine credit risk frameworks, underwriting models, scorecards, collections strategies, and fraud prevention mechanisms, particularly for SME lendingLeverage data and analytics to monitor portfolio health in real time, identify early warning signals, and drive data-driven decisions in underwriting and risk mitigation; support with stress testing and scenario analysisStay ahead of emerging risks related to technology, cybersecurity, and market shifts to ensure agility and resilienceCollaborate with senior leadership, risk committee and the board, presenting risk dashboards, insights, and strategic risk assessments to support long-term decision makingPartner with product, technology, operations, and data teams to embed smart, scalable, and automated risk controls into the digital lending platformBuild and lead a high-performing risk team while cultivating a risk-aware culture across the organizationQualifications
12+ years of experience in credit and operational risk management, spanning large financial institutions and high-growth or innovative firms, with a proven record of leading teams of 8+ professionals across functions and geographiesSolid experience in financial services or banking, with fintech or digital lending exposure preferred. Deep understanding of Southeast Asian markets, with proven ability to navigate diverse regulatory environments and credit behaviorsProven credit underwriting expertise in SME and consumer lending, with a track record of building risk scorecards, fraud frameworks, and effective collections strategiesFamiliarity with risk governance structures (e.g., risk committees, internal controls) and experience engaging senior leadership and presenting to the boardData-driven mindset with proficiency in analytics, dashboards, and AI / ML-based models for real-time portfolio monitoring, early-warning detection, and decision-makingStrategic thinker and clear communicator with cross-functional exposure; skilled at influencing stakeholders and advocating for responsible innovation in partnership with product, engineering, finance, legal, and compliance leadersBenefits
Time off – flexible paid vacations and observed holidays by country, with occasional paid days for special occasionsFlexible working – control of work-life balance with a supportive environmentMedical benefits – health insurance coverage for employees and dependentsMental health and wellness – org-wide wellbeing initiatives and access to well-being resourcesTech support – company laptop and equipment / tools to enable high productivityInterested to know more about us? Learn about our Stories here.
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