• $5,000 - $10,000 * 13 months
  • Singapore
  • Permanent, Full time
  • 17 Jan 19

CREDIT ANALYSIS AND RISK RATINGS - FintruX Network is a well-funded ecosystem platform built on the blockchain to provide liquidity to under-served SME globally. All loans are protected by proven credit-enhancements. We are seeking a couple of senior credit analysts to perform qualitative and quantitative credit analysis on SME loan applicants. You will perform risk-rating, pricing, and help customers to improve their credit. Successful candidate will have the opportunity to work with our data science team in scorecard building, monitoring and incremental improvement via artificial intelligence. We promote work-life balance via automation.


Assisted by state-of-the-art commercially available artificial intelligence tools we provide, apply your domain expert knowledge on traditional and alternative credit & financial data to manage commercial credit risk. You will participate in credit analysis, risk-rating and pricing, and help SME customers to improve their credit.  May involve manual adjudication, scorecard building/monitoring/improvement via artificial intelligence.



  • Identify the key historical (and future) credit (and non-credit) risks of a SME loan applicant
  • Conduct economic & industry analysis, risk grading and stress testing in credit analysis
  • Spread financial statements to perform ratio analysis and credit risk assessment
  • Approve or disapprove extension of credit and be open-minded on alternative methodologies
  • Prepare written presentations using current financial information and all other behavioral information
  • Ensure current credit accounts remain in good standing
  • Work with SME customers to improve their credit situation
  • Drive regular monitoring and incremental improvement of internal scorecard
  • Engage and monitor credit bureaus external scorecard performance
  • Assist in developing credit risk assessment policies and framework
  • Assist in regulatory and risk compliances
  • Assist in establishing, monitoring, evaluating, developing and implementing strategies for new account acquisition, credit limit setting and account management
  • Ensure account acquisition, account management, and data delivery systems are operating efficiently
  • Recommend innovative solutions towards simpler, faster, better



  • 3-7 years of relevant work experience in credit analysis, risk ratings and pricing
  • Recognized degree in finance or accounting
  • Excellent qualitative and quantitative analysis skills
  • Excel in statistics, ratio/financial-statement analysis, economics and industry assessment
  • Exceptional written and verbal communication skills
  • Creative and with strong attention to details
  • Enjoys working on a large variety of topics related to SME commercial lending
  • A self-starter attitude towards helping potential clients to do what’s right
  • Adaptable, teachable, able to multi-task well in a innovative environment
  • Good team player with the ability to build meaningful relationships with all stakeholders


  • Optional one-day-a-week working from home
  • Respect is expected from all team members and stakeholders
  • Open, modern and pleasant office near CBD and MRT
  • Stability as company can pay all obligations without revenue for 2+ years
  • Group medical benefits included
  • A learning environment where one can dive deep into the latest technologies and make an impact



FintruX Network is a well-funded ecosystem platform built on the blockchain to provide liquidity to under-served SME globally.  All loans are protected by proven credit-enhancements. We facilitate lending in a true peer-to-peer network to ease the cash-flow issues of SMEs that typically face challenges getting loan financing. While pursuing traditional financing, most SMEs face challenges such as significant collateral requirement, stringent terms, and impossible rates (if alternative financing is procured). With credit enhancements, advanced technology and an open ecosystem, FintruX Network makes it easy for small businesses to quickly secure affordable loans with no collateral requirement.



Please submit your salary expectations along with your resume. We thank all applicants for their interest; however, only those candidates selected for interviews will be contacted.