Financial Products Intern (May-Aug/Dec 2027)

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.

We are looking for a dynamic and driven Polytechnic / University undergraduate Intern to join our Financial Product team specializing in SME lending solutions. This internship offers a unique opportunity to gain hands-on experience in fintech, commercial banking, risk management and handling end-to-end lifecycle of lending products. Ideal candidates are pursuing diplomas / degrees in Business, Finance, Economics, Accountancy, Analytics, Data Science, or related fields and have a strong interest in banking, technology and customer-centric innovation.

What you will do:

• Assist in the design, development, and optimisation of lending products and programmes.
• Analyse market trends, customer feedback, and competitor offerings to identify growth opportunities.
• Collaborate with cross-functional teams, including Sales, Credit, Operations, Data and Risk to ensure seamless product delivery.
• Participate in creating and maintaining product documentation, including product specifications, business initiatives and implementation plans.
• Help enhance customer journey experiences by identifying and addressing pain points in the lending process.
• Support product performance monitoring by analysing key metrics and preparing reports:
• Gain hands-on experience in data analytics, applying analytical techniques to optimise processes and drive strategic decision-making.
• Data Extraction & Processing: Collect, clean, and transform datasets using SQL, Snowflake, and Qlik to generate actionable insights.
• ⁠⁠Cloud Data Management: Leverage Snowflake for data storage, transformation, and querying in a cloud-based environment.
• Data Interpretation & Insights: Analyse complex datasets and present findings to stakeholders to facilitate strategic business decisions.
• ⁠Collaboration & Optimization: Work closely with cross-functional teams to identify business challenges and improve data workflows for enhanced efficiency.

What you'll gain:

• Insights into the full lifecycle of financial product development.
• Hands-on experience with market research, product strategy, and cross-functional collaboration.
• Exposure to the fintech, banking and regulatory and risk considerations of financial solutions.
• Development of analytical, technical, and project management skills.
• Mentorship from industry experts to support your career growth.

Must have:

• Currently pursuing a degree in Business, Finance, Economics, Accountancy, Analytics, Data Science, Computing, Information Systems or similar field.
• Proficient in data analysis tools like Qlik, Power BI, Tableau, Excel, or similar business analytics platforms.
• Comfortable with software and coding skills such as Figma, Snowflake, Python, HTML, JavaScript, SQL, R, Excel VBA
• Strong communication skills, both verbal and written.
• Strong analytical and problem-solving skills with a customer-focused mindset.
• Ability to work independently and collaboratively in a fast-paced environment.
• Career interest in financial services, banking, fintech or product management.

Nice to have:

• Familiarity with SME businesses in Southeast Asia and SME financing concepts

• 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.
• 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.