VAD Capital Hiring! Full Time Senior Manager, Credit Analyst in Selangor, Earn up to MYR 16,000 - Ricebowl

Responsibilities:

1)Credit Strategy & Policy

• Develop, implement, and continuously enhance credit policies, frameworks, and procedures
• Align credit strategy with business goals, risk appetite, and regulatory requirements
• Monitor market trends and proactively refine credit risk frameworks

2)Credit Operations & Approval

• Oversee daily credit operations, including credit approval and credit review functions
• Approve high-value and complex cases beyond delegated authority levels
• Ensure robust evaluation of creditworthiness using financials, CCRIS data, and risk indicators
• Participate in credit committees and key decision-making forums

3)Leadership & Team Management

• Lead, mentor, and develop a team of 20–25 credit professionals nationwide
• Foster a high-performance, accountable, and solutions-driven culture
• Drive capability building through training in credit assessment, compliance, and fraud detection

4)Risk Management & Compliance

• Monitor portfolio performance and identify early warning signals (e.g., delinquency trends)
• Partner with Risk and Credit Review teams to mitigate emerging risks
• Ensure full compliance with regulatory requirements (e.g., KYC, credit exposure, documentation standards)
• Act as key liaison with Bank Negara Malaysia on CCRIS-related matters

5)Project & Process Excellence

• Lead and support credit-related projects and transformation initiatives
• Collaborate with Product, Risk, and IT teams to enhance credit decisioning tools (e.g., scorecards, automation, AI-driven solutions)
• Drive process improvements to improve turnaround time, efficiency, and scalability

6)Regional & Stakeholder Management

• Oversee credit operations across regional teams (Penang, Johor, Sabah, Sarawak)
• Partner closely with Sales, Collections, Legal, and Operations to ensure seamless customer journey
• Provide insights and regular reporting to senior management on credit performance and risk trends

Requirements:

• Bachelor’s Degree in Business, Finance, Banking, Economics, or related field
• 10–15 years of experience in credit management, preferably within banking or financial services
• At least 5–7 years in a managerial / leadership role
• Strong experience in credit evaluation, approval, and portfolio risk management
• Proven ability to lead large teams (20+ headcount) and manage nationwide operations
• Strong decision-making, strategic thinking, and business planning skills
• Experience managing credit-related projects or transformation initiatives is a plus
• Professional certifications such as CCE / CCR are advantageous

Pay: RM10,000.00 - RM16,000.00 per month

Benefits:

• Additional leave
• Dental insurance
• Free parking
• Health insurance
• Maternity leave
• Meal allowance
• Opportunities for promotion
• Parental leave
• Professional development
• Vision insurance
• Work from home

Application Question(s):

• What is your expected salary?

Education:

• Bachelor's (Preferred)

Work Location: Hybrid remote in Petaling Jaya