全职 Credit Officer (Auto Financing - Hire Purchase) 工作, 薪水, Jia Ming Auto Services WP Kuala Lumpur 公司招聘中 - Ricebowl

Jia Ming Auto Services Sdn. Bhd. is the Malaysia subsidiary of a leading China based automotive services group, established as part of the group's strategic expansion into Southeast Asia. Our business focuses on automotive financing, vehicle sales, and e-hailing services. In partnership with Chery (OE), we leverage our group's extensive automotive finance expertise, serving over 150,000 customers annually in China, to provide innovative and customer-focused automotive solutions in Malaysia.

• Competitive basic salary + miscellaneous allowance + performance incentives

• 12 days Annual Leave + 18 Public Holidays per year

• Comprehensive on the job training and structured career development

• Friendly, supportive and performance driven work environment

• Excellent career progression in a rapidly growing automotive finance company

• Review and assess Hire Purchase / Auto Financing applications based on customer profile, income, financial position, repayment capacity and creditworthiness.

• Review customer supporting documents including income documents, bank statements, CCRIS/CTOS reports and other relevant information.

• Conduct credit analysis and identify potential credit risks, discrepancies and areas requiring further clarification.

• Evaluate customer DSR, repayment capability and overall credit profile in accordance with company credit policies and guidelines.

• Recommend approval, rejection or further review based on credit assessment findings and supporting documentation.

• Perform verification and clarification with customers, dealers or relevant parties where necessary.

• Support the team in achieving credit processing turnaround time, accuracy and operational targets.

• Perform other credit-related duties and ad hoc assignments as required.
  

Must Have

• Diploma or Degree in Finance, Banking, Accounting, Business Administration, Economics or related disciplines.

• Preferably 1–3 years of experience in Credit Analysis, Credit Assessment, Hire Purchase, Auto Financing, Banking, Leasing or Consumer Finance.

• Good understanding of credit assessment principles, financial analysis and repayment capacity.

• Familiar with CCRIS, CTOS, DSR and credit evaluation is preferred.

• Able to analyze financial information, identify credit risks and provide sound recommendations.

• Strong attention to detail with good analytical and problem-solving skills.

• Able to work in a fast-paced environment and handle a high volume of applications.

• Proficiency in Microsoft Office, particularly Excel.

• Good command of English and Bahasa Malaysia. Mandarin/Cantonese is an added advantage

Added Advantage

• Experience in auto financing / hire purchase will be an added advantage.

• Experience with credit approval matrix, delegated authority limits or credit policy implementation.

• Familiarity with automotive dealership, vehicle financing and dealer-related credit processes.

• Experience with credit workflow systems or digital credit assessment platforms.

• Experience in improving credit processes or approval turnaround time.

• Working Location: Pudu, Kuala Lumpur

• Working Days: 5 work days, 9am – 6pm

• Industry: Automotive / Auto Financing

• Candidates with relevant credit approval experience from banking, hire purchase or automotive financing are encouraged to apply.