Senior Analyst / Lead Analyst (Debt Financing)

• Cutting-Edge Analytics: Build sophisticated credit models using the latest data science techniques and alternative data sources
• Diverse Deal Flow: Evaluate businesses across industries, from tech startups to established SMEs seeking growth capital
• Market Leadership: Be part of Malaysia's most trusted debt crowdfunding platform with proven track record
• Professional Growth: Develop world-class credit analysis skills while working with innovative financing structures

• Engineer sophisticated credit scoring models by analyzing financial data, business performance metrics, and alternative data sources to predict default probability and optimize lending decisions
• Continuously enhance model accuracy through backtesting, performance monitoring, and incorporating new data variables that improve predictive power
• Develop automated screening tools that streamline initial deal assessment while maintaining rigorous credit standards
• Build risk segmentation frameworks that enable differentiated pricing and terms based on borrower risk profiles
• Create comprehensive credit policies that balance growth objectives with prudent risk management

• Conduct deep-dive financial analysis of potential borrowers including cash flow modeling, financial statement analysis, and business viability assessment
• Evaluate management quality and business fundamentals to assess execution risk and growth potential
• Perform industry and competitive analysis to understand market dynamics and company positioning
• Structure optimal deal terms including interest rates, repayment schedules, and security arrangements that balance borrower needs with investor expectations
• Present compelling investment cases to internal committees and recommend deals for debt crowdfunding platform listing

• Track portfolio performance across key metrics including default rates, recovery rates, and investor returns
• Implement early warning systems to identify potential problem loans and recommend intervention strategies
• Conduct post-investment monitoring of borrower performance and covenant compliance
• Generate insightful reports for investors, management, and regulators on portfolio health and market trends
• Optimize platform performance by analyzing deal characteristics that drive successful outcomes

• 3-6 years of credit analysis experience in banking, alternative lending, corporate finance, or investment analysis
• Advanced financial modeling skills with expertise in cash flow analysis, ratio analysis, and credit risk assessment methodologies
• Statistical analysis proficiency using tools like Excel, SQL, Python, R, or specialized credit modeling software
• Deep understanding of financial statements and ability to identify key risk factors and financial health indicators
• Industry knowledge across multiple sectors with understanding of business models, market dynamics, and operational risks
• Strong written communication with ability to prepare clear, compelling credit memos and investment recommendations
• Detail-oriented mindset with proven track record of accurate analysis under tight deadlines

• Credit scoring model development experience with machine learning applications in risk assessment
• Alternative lending or fintech experience with understanding of digital lending platforms and crowdfunding dynamics
• CFA, FRM, or related professional certification demonstrating advanced financial analysis expertise
• Regulatory knowledge of Malaysian financial services guidelines and debt crowdfunding regulations
• Database management skills for handling large datasets and building automated reporting systems
• SME lending experience with understanding of small business credit challenges and evaluation techniques

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