Funding Societies is the largest unified SME digital loans platform in Southeast Asia. It is licensed and registered in Singapore, Indonesia, Thailand, Malaysia, and operating in Vietnam. The FinTech company 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. We are committed to solving the SME financing gap in the region while providing convenient and short-term fixed-income investment options to individuals and institutions.

Backed by top-tier shareholders such as Sumitomo Bank, BRI Bank (Ventures), 500 Tuktuk, SoftBank Vision Fund 2, SoftBank Ventures Asia, Sequoia Capital India, Alpha JWC Ventures, VNG Corporation, Rapyd Ventures, Endeavor, EDBI, SGInnovate, Qualgro, and Golden Gate Ventures, we are proud to be a leading force in Southeast Asia’s FinTech space.

Our recent strategic milestones include the acquisition of regional digital payments platform CardUp, and a co-investment into Bank Index in Indonesia, and most recently, a strategic investment from Gobi Partners, further strengthening our ecosystem of SME financial services. For more information, please visit: www.fundingsocieties.co.th

Our impact and innovation have been recognized with numerous accolades, including:

Global SME Finance Awards by IFC, part of World Bank 2021-2023
Monetary Authority of Singapore FinTech Award (2016, 2021)
KPMG FINTECH 100 Leading Global Fintech Innovators (2018)
Brands for Good (2019, 2023)

Media Coverage: Thairath, Money and Banking, MGR Online, Siamrath
Hear from our team: A Day with the Credit Team, Learn more about our benefits

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.

As a (Senior) Credit Manager, you will be responsible for managing the appropriate level of credit risk for the business, working with the team of underwriters and the operation and collection team.

What you will do:

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 required to support the needs, integrity and performance of SME credit portfolio management and related risk framework and methodologies, including forward-looking view of the portfolio
Take special projects from time to time to help in achieving the company’s strategic goals.
Evaluating credit applications using FS proprietary platform which supplements traditional financial data with third party data
Demonstrate leadership through modelling it out in actions and thoughts
Coach and counsel the credit team with a focus on improving credit policy, procedure and other related knowledge and skills
Play a leading role in setting expectation for ongoing credit policy management, effective and satisfactory periodic policy and related documents review.

What we are looking for:

Proven experience as Credit Analyst / underwriting more than 5 years, with overall experience of at least 8 years
SME lending underwriting experience of atleast 2 years preferred
Experience in mainly SME/Commercial/Corporate and/or Micro SME lending product
Ability to lead others in the team to complete tasks assigned
Ability to work with across functions within the company to execute plans/projects
Consistency, maturity and having sound judgement/decision making across work matters
Able to use professional concepts and company objectives to resolve complex issues in creative and effective ways.
Able to work on complex issues where analysis of situations or data requires an in-depth evaluation of variable factors.
Able to exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results.
Significant contributor to team and overall growth of the company