Seedflex Hiring! Full Time Risk Analyst in Federal Territory, Earn up to MYR 5,000 - Ricebowl

Who is Seedflex?

Seedflex is a fast-growing fintech pioneer on a mission to redefine liquidity and credit access for businesses across the region. We operate at the intersection of data science and financial inclusion, building the infrastructure that allows businesses to thrive in an ever-changing economy.

At Seedflex, we trade in agility, transparency, and the relentless pursuit of better financial outcomes.

The Role: Impact from Day One

As a Junior Risk Analyst, you will be a key contributor to our regional growth. You will gain hands-on exposure to the entire credit and risk management lifecycle, with a specific focus on navigating the complexities of both Consumer and Merchant portfolios.

This is a rare opportunity for a data-driven professional to move beyond simple reporting and into the heart of strategy, helping us build and optimize risk frameworks from the ground up.

Your Playground:

• End-to-End Exposure: Support the credit and risk lifecycle, from program-based underwriting and decision engine logic to portfolio management.
• Portfolio Management: Monitor the health of our regional Consumer and Merchant portfolios, identifying trends and emerging risks.
• Strategy Optimization: Assist in refining model strategies and risk-reward frameworks to drive sustainable growth.
• Decision Science: Help manage and fine-tune our automated decision engines to ensure high-quality, real-time lending decisions.

What You Bring to the Table

We are looking for a technical, detail-oriented analyst who is ready to take the next step in a high-growth startup environment.

• Experience: 3+ years of relevant experience in Portfolio Risk Strategy or Data Analytics within the Banking or Fintech sectors.
• Domain Focus: Basic understanding of consumer and/or merchant segments.
• Technical Toolkit: Proficiency in SQL and Python is a must. You should be comfortable manipulating large datasets to find actionable insights.
• Data Visualization: Experience using BI tools like Power BI or Tableau to present portfolio performance and risk metrics.
• AI Fluency (Modern Efficiency): Familiarity with using Gemini, Claude, or LLMs to improve work efficiency (e.g., for code debugging, documentation, or rapid data synthesis). We value candidates who know how to use the latest tools to work smarter.
• Startup Mindset: You are proactive, comfortable with ambiguity, and excited by the "start-up culture" of building while doing.

Why Join Seedflex?

• Regional Exposure: Work on portfolios spanning multiple markets across the region.
• Fast-Track Growth: Gain end-to-end risk experience that would take years to acquire in a traditional banking environment.
• Modern Workflow: We encourage the use of AI and the latest tech to stay lean and efficient.

Job Type: Full-time

Pay: RM4,000.00 - RM5,000.00 per month

Application Question(s):

• Are you proficient in SQL and Python?
• Do you have at least 2 years of relevant experience in Portfolio Risk Strategy or Data Analytics within the Banking or Fintech sectors?
• Do you have basic understanding of consumer and/or merchant segments?

Education:

• Bachelor's (Required)

Location:

• Kuala Lumpur (Required)

Work Location: In person