Sr. Credit Analyst Micro

3 weeks ago


Jakarta, Indonesia Funding Societies Full time

**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 inventors.

We are looking for a Credit Analyst Micro for our fast-growing Credit - Micro team in Jakarta. Our ideal teammate will have a strong analyzing and verification data experience. You’re comfortable working in the fast-paced environment of a fintech in growth mode, while also having an eye for the nuances that make or break a brand

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What you will do : *
- Ensure validity of customers’ information by site visit or phone verification
- Having knowledge of key issues up-to-date (for example legal, market risk, regulation, and compliances)
- Ensure adherence to the laid down policies and procedures for the smooth running of the division
- Giving feedback and recommendation about current procedural and policy whether implementable or having the gaps
- Identify & provide feedback on potential risk and implement the proposed solutions
- Coordinate with support staff for getting CPV checks done for new customer as well as renewal customers
- Monitor accounts (i.e. cash flows, repayments, account behaviour, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards
- Identify borrower utilization (under or over) and proactively initiate corrective measures
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What we are looking for : *
- 2 years of experience in Micro loan underwriting, preferably within the Multi-finance or banking sector
- Knowing credit cycles and risk management role responsibility. Understand where risk should be in the business model
- Ability to interpret key financial statements and an understanding of the key risk drivers specific to Micro or Unsecured Loan
- An analytical mind set with a practical approach to problem solving
- To be confident, focused and enthusiastic. He/she should be comfortable in a fast-paced start-up environment where every month needs to be a record month
- Good communication skills. He/she will have direct telephone contact and visit with loan applicants to extract additional information
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Interested to know more about us? Learn about our Stories **here**.



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