Associate Credit Manager, Makassar

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

We are looking for an Associate Credit Manager for our dynamic and lean Credit SME team in Makassar. Our ideal teammate will have a strong analysis 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!

What you will do :

• Provide professional opinions and/or recommendations to Credit Committee regarding customers’ financial credit status referring to credit policy and guidelines,
• Prepare spreadsheets and detailed written reports to be presented to the loan committee,
• Track loan covenants to ensure compliance & complete other duties as assigned.
• 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,
• Identification and provide mitigation actions of all risks entailed,

Requirements

What we are looking for :

• Ability to communicate with stakeholders and peers in an effective written and verbal communication skills both in Bahasa & English.
• Excellent understanding in business financial statements, analytical skills, and mindset,
• Detail oriented, have a strong verification and critical thinking skills,
• Ability to work independently with minimal supervision.
• 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, preferably has experience working in Makassar Area at least 3 years.
• Ability to maintain a high level of professionalism and positive attitude with team members and clients,

Benefits

• Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity
• 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.
• 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!
• 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.
• Learning & Development: We believe learning should never end and we support everyone with curated learning programs on our internal learning platform