Relationship Manager, Commercial/Enterprise

Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia, expanding into a leading SME neobank. We are licensed and registered in Singapore, Indonesia, Thailand, Malaysia, and operating in Vietnam, and backed by Sequoia India, Softbank Vision Fund 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.

And 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.

Modalku’s Relationship Manager - Farmer will perform a role focusing on analysing client’s business financial needs and relationship management, including new client acquisition, provision of financial advice and on-going servicing of commercial and corporate clients. The working environment in Modalku is providing dynamic and flexible working environment and culture in an innovative business and a supportive ambiance where you can sharpen your talents with new challenges and personal career growth thus requiring independence and good time management in order to perform day-to-day tasks and achieve quarterly targets.

Portfolio Management & Monitoring

• Act as the primary point of contact for a dedicated portfolio of existing borrowers, fostering and deepening long-term relationships.
• Proactively monitor the financial health and business performance of portfolio accounts to identify early warning signs and mitigate credit risks.
• Ensure timely fulfillment of all administrative and documentational requirements from borrowers, including financial statements and covenant compliance checks.

Credit Analysis & Deal Execution

• Conduct in-depth credit analysis and risk assessment for loan renewals, limit top-ups, and restructuring proposals from the existing portfolio.
• Prepare clear, concise, and accurate loan proposals, presenting a well-justified case to the credit committee.
• Oversee the end-to-end deal process for existing clients, from proposal writing to coordinating with Legal, Notary, and other internal divisions to ensure smooth and timely disbursement.

Portfolio Growth

• Identify opportunities for cross-selling and up-selling additional products or services to existing, high-quality borrowers.
• Dedicate a portion of time (approx. 10%) to "organic hunting" - generating new leads through referrals from the existing client base (e.g., their suppliers or customers).

What we are looking for?

• 2 – 5+ years of experience in a Relationship Manager role within commercial/corporate banking
• Exceptional Credit Assessment Skills: Proven ability to conduct deep financial analysis (cash flow, balance sheet, P&L) and write comprehensive credit proposals. Must possess a strong balance between commercial judgment and prudent risk tolerance.
• Strong Analytical & Problem-Solving Mindset: Ability to critically evaluate complex business situations, identify potential risks, and propose viable solutions.
• Relationship Management: A genuine ability to build trust and maintain long-term, positive relationships with a diverse portfolio of clients.
• High sense of responsibility and ownership over the assigned portfolio's performance and health.
• Excellent communication, negotiation, and consultative skills in both English and Indonesian.
• Good understanding of various industries and business models within the Indonesian SME landscape.
• Ability to work effectively in a dynamic, fast-paced environment and collaborate across multiple divisions.

Benefits

• 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