Financial Product Analyst / Associate

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 driven and commercially aware Financial Product Analyst / Associate to join our team. You will take ownership of the end-to-end product lifecycle across our SME financing suite — from Working Capital and Trade Financing to Secured Lending — with a strong focus on process engineering and data-driven decision making.

What you will do:

Level 1 — Process & Workflow Engineering

• Own and maintain the end-to-end product lifecycle across the full loan journey — from customer onboarding through to settlement
• Proactively identify process gaps and inefficiencies, and drive structured, scalable solutions independently
• Lead integration of AI-enabled tools to automate and streamline loan processing tasks
• Own the product playbook and continuously improve it to deliver a best-in-class customer experience
• Step in and execute ad-hoc operational tasks hands-on when business needs arise

Level 2 — Data Analytics & Insights

• Independently analyse market trends, customer feedback, and competitor offerings to surface growth opportunities and inform product direction
• Own product metrics and dashboards — translate data into commercially actionable insights for stakeholders
• Query performance data from our data warehouse and build visualisations that support structured product narratives
• Drive data-informed recommendations that improve conversion, retention, and product economics

Level 3 — Commercial & P&L Awareness

• Develop working familiarity with how product decisions impact the top and bottom line
• Collaborate with cross-functional stakeholders — Sales, Credit, Risk, Engineering, Marketing, Legal, Compliance — to move product initiatives forward
• Build understanding of regulatory requirements (AML, KYC, PDPA) and their implications for product design in financial services

• Bachelor's degree in Business, Finance, Accounting, Economics, Analytics, or a related field
• 2+ years of experience in banking, fintech, consulting, product management, or data analytics. Fresh graduates that are keen to embark on a career in FinTech are also welcome
• Strong analytical thinking and structured problem-solving — you can break down ambiguous problems and communicate findings clearly
• Comfortable working with data independently — proficiency in Excel and SQL is a must; Python or BI tools (e.g. Power BI, Tableau) is a strong plus
• Comfortable using AI tools in day-to-day work (e.g. Claude, Gemini, etc) — we are an AI-first team
• Strong written communication — ability to articulate problems, frame insights, and influence stakeholders through structured thinking
• Proven ability to work independently, manage competing priorities, and deliver without close supervision

• 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