Senior Lending Analyst - Growth & Commercial 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 growth and commercial performance, you own the customer and sales-side view of the lending business, covering customer value, segmentation, acquisition, and retention. You'll turn data into insights that help leadership decide which customers, products, and channels to invest in.

Key Responsibilities

• Customer Value & Segmentation: Build and maintain a customer lifetime value framework to identify which customers, products, and channels merit continued investment.
• Sales & Marketing Analysis: Analyse sales and marketing activity data, translating findings into acquisition and retention recommendations.
• Insights Generation: Own end-to-end hypothesis-driven analysis of growth questions such as acquisition, churn, retention, and monetisation.
• Framework Building: Establish and maintain standardised KPIs and measurement frameworks to track commercial performance.
• Presentation & Communication: Communicate insights through clear visualisations, reports, and presentations.
• Collaboration: Partner with Sales, Marketing, and Product teams to align on objectives and inform decision-making.

• 5+ years of experience in customer, marketing, or product analytics, ideally within financial services.
• Experience delivering analyses such as customer segmentation, lifetime value analysis, hypothesis testing, and acquisition strategy.
• Strong SQL skills and experience with BI or data visualisation tools.
• Strong, structured problem-solving and analytical reasoning.
• Proactive attitude, comfortable bringing proposals and recommendations to stakeholders.
• Strong communication and teamwork skills, with experience owning projects across departments.

• 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.