Position title
VP Credit

About the company:

Funding Societies | Modalku provides business financing to small and medium-sized enterprises (SMEs), which is funded by individual and institutional investors.


As a VP Credit, you will be responsible for:

  • Day-to-day management of Credit and Collections activities
  • Manage our credit portfolio in line with our risk appetite & risk limits
    Day-to-day team management responsibilities (hiring, training, performance management)
  • Working cross-functionally to facilitate and improve Credit & Collections processes
  • Ensure our Credit & Collections processes comply with internal and external policies and regulations

What you will be doing:

  • Lead execution of end-to-end credit and collections processes (e.g. review of loan applications, on-going monitoring / review of borrowers, delinquency & default management, site visits, etc.)
  • Lead team management responsibilities for Credit and Collections teams (including hiring, training, performance management)
  • Lead the design, review and implementation of processes in line with credit & collection policies & procedures (working closely with Sales, Operations, Legal / Compliance and Finance teams)
  • Prepare regular updates on the overall portfolio and improvement plans to the respective risk committees
  • Work closely with our Product & Data team to develop and refine scoring systems to enable us to make better, faster and fairer credit & collections decisions
  • Liaise with regulators for compliance / regulatory and industry development purposes (thought leadership)
  • Lead necessary credit review and control measures, such as site visit and KYC (may require traveling as appropriate), notified payments, and control accounts.

What we are looking for:

  • Bachelor’s or higher degree in Accounting, Finance, or Economics
  • Minimum 8 years experience in Thai SME credit underwriting & collections
  • Experience in leading credit and collections teams
  • Experience with credit scorecards & policies in both unsecured lending products (good to have: secured lending products)
  • Good commercial judgment to strike a balance between risk and return
  • An analytical mindset with a practical approach to problem solving
  • A confident and enthusiastic attitude that works well in a dynamic and fast paced environment
  • Worked in fintech or digital / alternative lending will be an added advantage
  • Knowledge in using SAS, SQL, MS Office, Rule engine, preferred

Funding Societies | Modalku is the pioneer of SME Digital Financing Platform and Debt Investment Platform in Southeast Asia. They accelerate business growth by fast financing which is crowdfunded by retail and institutional investors as well as high-net-worth individuals.

Employment Type
Job Location
Bangkok, Thailand
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