AVP, Portfolio Risk
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:
- Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.
- 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.
portfolio. You will work closely with cross-functional teams, including credit analysts, underwriters, and senior management, to develop and implement effective risk management strategies that align with our business objectives and regulatory requirements.
What you will do:
- Portfolio Risk Assessment: Conduct comprehensive risk assessments of our lending portfolio to identify potential vulnerabilities and opportunities for improvement.
- Risk Management: Develop and maintain risk models and analytics tools to monitor portfolio performance and identify emerging risks.
- Credit Policy Collaboration: Collaborate with the credit teams to improve maintain credit policies, guidelines, and underwriting standards that align with industry best practices and regulatory requirements.
- Monitoring and Reporting: Continuously monitor the portfolio's credit quality, delinquency rates, and other key risk indicators. Prepare regular reports for senior management and regulatory authorities.
- Stress Testing: Design and execute stress tests to evaluate the portfolio's resilience under adverse economic conditions and develop contingency plans.
- Portfolio Optimization: Identify opportunities for portfolio optimization, including risk-adjusted return enhancements and diversification strategies.
- Team Leadership: Lead a team of risk analysts and professionals, providing guidance, coaching, and fostering a culture of risk awareness and accountability.
- Communication: Communicate risk findings and recommendations to senior management and other stakeholders in a clear and concise manner.
What we are looking for:
- Bachelor's degree in finance, economics, or a related field.
- A minimum of 10 years of experience in credit or risk management within the
- financial services or fintech industry.
- Strong knowledge on credit, risk modelling, stress testing, and portfolio
- Familiarity with regulatory requirements and best practices in risk management.
- Proficiency in data analysis and statistical tools.
- Excellent communication and presentation skills.
- Strong leadership and team management abilities.
- 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 back 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 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!
- Learning & Development - We believe learning should never end and we support everyone with self-learning L&D allowances.
- Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity