Credit Analyst

Credit Analyst (Open for Fresh Grads)

Funding Societies | Modalku Group · Bangkok, Thailand (Hybrid) · Full-time · Posted 2026-11-05

Workplace: hybrid

Department: Credit

Description

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 Credit Analyst 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

Requirements

What you will do:

• Evaluating 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 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.
• Participate actively in team meetings and contribute to improvement of credit processes

What we are looking for:

• Thai nationality and proficient in communicating English and Thai
• Proven experience as Credit Analyst / underwriting more than 2 years, with overall experience of at least 2 years (Fresh Grads with similar experiences are welcome to apply)
• 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 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.
• Good collaboration with all counterparties 
• Self-motivated and open minded to learn new aspects of work.

Good to have:

• SME lending underwriting experience of at least 1 years preferred

Benefits

• 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. 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

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

Apply

Apply at Funding Societies | Modalku Group

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