Work with corporate service providers, tax advisors, accountants, auditors, consultants and EPF internal teams to ensure smooth operations of the private credit investments or Special Purpose Vehicles (SPVs).
Work with SPV accountants to finalise quarterly management accounts and annual financial statements, and collaborate with SPV auditors to obtain sign off on financial statements.
Administer the status of tax filing of the SPV and work with the tax advisors in relation to the SPV tax reporting requirement.
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Perform new credit application and annual credit reviews for expired credit accounts across the Group and maintain accurate customer credit information and documentation.
Perform research, create and maintain database for customers’ credit information.
Assist stakeholders to provide support and address enquiries relating to credit process.
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Team Coaching & Development: To ensure that coaching is consistently done with team members to drive individual improvement and skill enhancement.
Critical Account Management & Investigation: To be independent and proactive in managing uncontactable, run-away, bankruptcy, dispute cases, and suspicious activity accounts, escalating or working with the Team Lead/Manager to resolve matters amicably.
Dispute & Complaint Resolution: To proactively manage potential complaints before escalation and to escalate/manage all new, problematic, or potential complaints to the appropriate manager, ensuring all cases are handled within the Turnaround Time (TAT).
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Collections Oversight & Coordination: Contribute to effective collection strategies, ensuring timely receipt of payments and collaborating on the resolution of overdue accounts.
Financial Risk Collaboration: Work in close coordination with credit insurance partners and internal stakeholders to manage credit limits and explore alternative financial solutions in line with company objectives.
Payment Term Adherence: Support the enforcement of agreed-upon payment terms and deadlines, assisting in the negotiation of flexible payment plans when necessary to maintain customer relationships and secure outstanding balances.
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Market Research: Analyze global retail trends, customer behavior, and regulatory landscapes to inform strategic decisions.
Reporting: Prepare comprehensive reports, dashboards, and presentations on operational performance and expansion progress for the COO and senior leadership.
Stakeholder Coordination: Collaborate with regional teams to align operational processes and ensure seamless execution of international projects.
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Operational Analysis: Evaluate performance metrics across local and international markets to identify growth opportunities and operational efficiencies.
International Expansion: Conduct market analysis, feasibility studies, and competitive benchmarking to support global market entry and expansion strategies.
Project Management: Assist in planning and executing international expansion initiatives, ensuring alignment with company goals and timelines.
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Collections Oversight & Coordination: Contribute to effective collection strategies, ensuring timely receipt of payments and collaborating on the resolution of overdue accounts.
Financial Risk Collaboration: Work in close coordination with credit insurance partners and internal stakeholders to manage credit limits and explore alternative financial solutions in line with company objectives.
Payment Term Adherence: Support the enforcement of agreed-upon payment terms and deadlines, assisting in the negotiation of flexible payment plans when necessary to maintain customer relationships and secure outstanding balances.
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Support review of plan, forecast, and update cycles, including phasing, assumptions, and scenario analysis working closely with P&F analysts who prepares them
Analyse movements between actuals, forecast, and plan, explaining key drivers
Ensure consistency between reported results and forward looking outlooks
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Support review of plan, forecast, and update cycles, including phasing, assumptions, and scenario analysis working closely with P&F analysts who prepares them
Analyse movements between actuals, forecast, and plan, explaining key drivers
Ensure consistency between reported results and forward looking outlooks
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Oversee day-to-day operations to ensure accurate and timely processing of loan applications, approvals, and disbursements.
Coordinate with panel lawyers to ensure all loan and security documentation complies with legal, regulatory and internal requirements prior to disbursement, including overseeing of the movement and safe custody of security documents and collateral.
Establish and maintain robust documentation standards, audit trails, and operational reporting frameworks.
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Maintain and actively promote Sectoral/Regional knowledge for the specific sectors and region covered.
Key contact person for GRM-CC units / management team members to liaise about quality of work deliverables (e.g. appropriateness and accuracy of spreading, calculations, ratings and summary analysis) and to discuss / decide about work priorities.
Ensure high quality standards of work deliverables by actively liaising with other credit risk team heads to incorporate new developments, best practices and to improve process quality.
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Improve performance standards and foster high-accountability, high-service culture within the team with the right balance of productivity level. Enhance team capabilities through training on financial analysis, sector-specific risks, systems, and data analytics.
Promote cross-functional collaboration with Finance, Procurement, Commercial, Operations, Legal, and Compliance teams.
Ensure compliance to credit policies, procedures, and approval matrices.
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Improve performance standards and foster high-accountability, high-service culture within the team with the right balance of productivity level. Enhance team capabilities through training on financial analysis, sector-specific risks, systems, and data analytics.
Promote cross-functional collaboration with Finance, Procurement, Commercial, Operations, Legal, and Compliance teams.
Ensure compliance to credit policies, procedures, and approval matrices.
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Evaluates approved credit decisions for compliance with TCAPM CAT guidelines and assesses risk management, including adherence to product policies and approval thoroughness.