Credit Analyst

About the Company

Funding Societies is the largest unified SME digital loans platform in Southeast Asia, licensed and registered in Singapore, Indonesia, Thailand, Malaysia and operating in Vietnam. The FinTech provides THB35 billion annually in business loans to small and medium-sized enterprises (SMEs). In Thailand, we operate under a debt-crowdfunding license granted by the Securities and Exchange Commission (SEC) and also provide direct lending services to SMEs. Our mission is to uplift societies in Southeast Asia by creating financial opportunities for everyone.

Responsibilities

• Evaluate credit applications using FS proprietary platform which supplements traditional financial data with third party data
• Analyze macro-economic, industry and market data impact on assigned product portfolio
• Recommend, develop, and implement credit rating models and management processes for SME borrowers and ensure a robust rating and pricing framework
• Balance credit risk and business risk to make educated and well-informed decisions
• Perform data management and maintenance to support integrity and performance of SME credit portfolio management and related risk framework, including forward-looking portfolio views
• Take on special projects to help achieve the company's strategic goals
• Participate actively in team meetings and contribute to improvement of credit processes

Qualifications

• Proven experience as Credit Analyst / underwriter of more than 2 years (overall experience at least 2 years)
• SME lending underwriting experience of at least 1 year preferred
• Ability to lead others in the team to complete assigned tasks and work across functions to execute plans/projects
• Consistency, maturity and sound judgement/decision making; able to resolve complex issues using professional concepts and company objectives
• Able to work on complex issues where analysis of situations or data requires in-depth evaluation of variable factors and to exercise judgment in selecting methods and evaluation criteria
• Good collaboration with all counterparties; self-motivated and open minded to learn new aspects of work

Benefits

• Flexible paid vacations and observed holidays, plus special days off (e.g., birthdays, work anniversaries)
• Flexible working arrangements to accommodate work–life balance
• Health insurance coverage for employees and dependents
• Mental health and wellness programs including well-being coaching and Wellness Wednesdays
• Learning & Development support with self-learning L&D allowances
• Company laptop and tech support to enable productivity