Job Description

Join us in revolutionizing business payments and get set on an accelerated career path. At Flex by Finaxar, we are innovators, creators and technologists on a mission to eliminate friction in the payment process for SMEs by dramatically improving the way they manage payments and cash flow. Believe In Our Mission. Join Us. We are looking for a talented individual to join us as a Credit Risk Analyst in the credit team. The role will entail the development, as well as the execution of credit risk analysis functions across various products and lending landscapes.

Responsibilities:

• Perform credit underwriting/assessment/analysis for both existing and prospective clients.
• Conduct regular and timely credit review on portfolio, including onsite audit at clients’ premises.
• Continuous portfolio monitoring in order to evaluate the quality and transparency of the underwriting practices, credit analysis and ratings.
• Identification of credit exposures with potential credit weakness and any relevant trends that may affect timely repayment.
• Identification of portfolio trends at the sector/industry level and provision of an objective assessment on it to senior management.
• Work closely with Sales, Ops, Tech and other functions as necessary.
• Assist in formulating findings and recommendations to improve credit risk management practices - Upon satisfactory performance, the candidate will progress to perform underwriting on new deals.

• Degree in Accountancy, Business and other related disciplines.
• Fresh graduates are welcome to apply.
• Proficiency in financial statements interpretation and spreading is a must.
• Proficiency in Microsoft Office applications is a must.
• 1-3 years of experience in credit underwriting/assessment/analysis and other risk related functions is a plus.
• Knowledge on prepaid cards and payments is a plus.
• Meticulous, precise, logical and must have an eye for detail.
• Strong financial, analytical and credit management skill
• Confident, independent worker with high adaptability to dynamic situations; able to thrive in a fast-paced, constantly changing technology-driven environment, with the ability to handle a significant and diverse workload.
• Outstanding communication skills, both written and oral in English (note: fluency in other languages would be considered as added advantage).
• Able to work closely with remote teams functioning from various locations.
• We are a startup and expect a confident, positive, hard working attitude.

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• Tech culture of trust, purpose and empowerment.
• Collaborative work environment, self-organized, autonomous teams and flexible working hours.
• Finaxar is a Fintech start-up backed Tier-1 VCs, Hedge Funds and Family offices, therefore you can expect that your work will have immediate impact and you will participate in developing significant improvement.