Senior Lending Analyst - Portfolio & Risk Analytics

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.

Role Overview

As a Senior Lending Analyst focused on portfolio and risk, you own the metrics and reporting that give leadership a clear, forward-looking view of loan portfolio health. You'll work across delinquency, vintage, concentration, and credit loss provisioning analytics to surface early warning signals before risk materialises.

Key Responsibilities

• Portfolio Risk Reporting: Own core credit risk metrics (delinquency rates, non-performing loan ratio, collection rate, provisioning adequacy) and ensure they are accurate, reconciled, and traceable to an approved source of truth.
• Vintage & Origination Analysis: Build and maintain cohort-based analysis of loan performance by origination period to track quality trends across markets and products.
• Concentration & Exposure Monitoring: Track credit concentration risk across borrowers, industries, geographies, and products, and support monitoring against internal risk limits.
• Macro-to-Portfolio Analysis: Connect macroeconomic indicators to portfolio performance, building dashboards that give leadership early visibility into emerging risk.
• Segmentation & Scenario Analysis: Build borrower and portfolio segmentation, and run scenario-based stress tests to identify vulnerable segments ahead of time.
• Collaboration: Partner with Risk, Credit, Data Science, Finance, and Engineering to align on metric definitions and present findings to leadership.

• 5+ years of experience in credit risk, portfolio, or lending analytics, ideally within a regulated lending or financial services environment.
• Working knowledge of core credit risk concepts: delinquency and non-performing loan metrics, vintage/cohort analysis, concentration risk, credit loss provisioning.
• Strong SQL skills and experience with BI or data visualisation tools.
• Strong, structured problem-solving and analytical reasoning.
• Ability to translate portfolio risk findings into clear recommendations for leadership.
• Independent and proactive, comfortable operating with ambiguity, and rigorous about data governance.

• 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.
• 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 backs for their loved ones too.
• Mental health and wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we organize org-wide fitness initiatives and engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity

Interested to know more about us? Learn about our Stories here.