Associate Credit Manager

Funding Societies | Modalku Group

Associate Credit Manager evaluating SME borrower data, financial statements, and loan risks for Funding Societies | Modalku’s digital finance platform. Preparing Credit Committee recommendations and monitoring loan covenants.

Posted 8/13/2026full-timeSurabaya • 🇮🇩 IndonesiaJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk evaluation, financial analysis, and compliance within the banking and peer-to-peer lending sectors. Proficient in delivering data-driven insights and recommendations to support lending decisions while maintaining portfolio health.

Highest-signal resume keywords

Credit Risk EvaluationFinancial Statement AnalysisData-Driven ReportingCompliance TrackingAnalytical Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AssessmentFinancial Document VerificationSpreadsheet PreparationRisk MitigationLoan Covenant Tracking

Soft Skills

Detail-OrientedCritical ThinkingProfessionalismAdaptabilityEffective Communication

Industry Keywords

SME LendingCommercial BankingPeer-to-Peer LendingPortfolio ManagementOperational Integrity

About the role

Key responsibilities & impact

Evaluate customer data and financial documents to determine risk and reduce customer disputes
Conduct document and information checking and verification during credit assessments
Prepare spreadsheets and detailed written reports for the loan committee
Identify risks and provide mitigation actions
Provide professional opinions and recommendations to the Credit Committee on customers' financial credit status, following credit policies and guidelines
Track loan covenants to ensure compliance
Perform other duties as assigned
Safeguard portfolio growth through credit-risk evaluation, accurate financial insights, and compliant lending decisions
Protect the platform from non-performing assets by verifying borrower financial data and anticipating loan risks
Deliver data-driven financial reports and recommendations to support lending approvals
Maintain portfolio health, compliance, and operational integrity

Requirements

What you’ll need

Minimum 3 to 5 years of experience as a Credit Analyst in the SME/Commercial segment within banking and/or peer-to-peer lending
Excellent understanding of business financial statements
Strong analytical skills and mindset
Detail-oriented with strong verification and critical-thinking skills
Ability to maintain professionalism and a positive attitude with team members and clients
Ability to adapt to a rapidly evolving, fast-paced work environment
Effective written and verbal communication skills in Bahasa and English

Benefits

Comp & perks

Flexible paid vacations and other observed holidays by country
Day off for birthdays and work anniversaries
Flexible working arrangements
Health insurance coverage for employees and dependents
Fitness initiatives
Well-being coaching
Company laptop
Support for equipment and tools