全职 Credit Review, Manager 工作, 薪水 up to MYR 11,000, Nextpert Talent Selangor 公司招聘中 - Ricebowl

RESPONSIBILITIES

To be the driver of the following areas :-

• Verifying applicant identity: Ensures documents like IDs, income proof, and addresses are authentic. Detecting document fraud: Checks for forged salary slips, fake bank statements, or inflated asset values.
• Cross-checking applicant information: Confirms data with credit bureaus, internal databases, or third-party sources.
• 2. Reviewing Dealers Dealer Fraud Checks – Assesses the legitimacy of vehicle dealers or suppliers, especially in cases with repeated fraud patterns.
• 3. Red Flag Detection
• Application Pattern Reviews – Identifies risk indicators such as multiple loan applications at once, synthetic identities, or false employer information. Fraud Scoring & Watchlists – Uses fraud models and internal watchlists to flag potentially risky applications.
• 4. Investigations and Hold Recommendations If fraud is suspected: Application Holds or Rejections – Recommends putting an application on hold or rejecting it if fraud is evident. Referral for further Investigation – Sends cases to internal or external teams for deeper assessment. Coordination with Legal/Compliance – Works with legal or compliance teams when uncovering extensive fraud activity.
• 5. Reporting and Documentation Maintaining Audit Records – Keeps detailed records of flagged or rejected applications for audit and regulatory review. Suspicious Activity Reports (SARs) – Files SARs if required under local AML or fraudreporting regulations.
• 6. Post-Approval Review Credit Review of Approved Cases – Evaluates the Credit Team’s approval decisions, ensuring compliance with company guidelines. Quality Assessment of Credit Processes – Reviews credit risk management, including deviations from product guidelines or policies and thoroughness in the approval process. Post-Mortem Review of early delinquent / early Non-Performing Accounts – Determines root causes and provides recommendations for improvement. (First-defaulter account listing provided by Asset Management monthly.)
• 7. Fraud Trend Analysis Monitoring Alerts from Fraud Detection Systems – Identifies suspicious activities through fraud detection tools. Investigating Fraud Patterns – Examines behavioral trends to detect emerging fraud strategies. Providing Recommendations for Risk Management Enhancements – Suggests rule improvements based on trend analysis findings.
• 8. Support in CCRIS reporting to BNM & rectification (ad hoc)
• 9. Handling projects in expanding the scope of work for the department.

REQUIREMENT

• Degree holder in Business / Commerce / Economics / Finance / Banking or equivalent qualification.
• Minimum 8 years of experience in credit evaluation function
• Possess CCE or CCR certificate
• Have experience in fraud detection / investigation in discharging the duty in credit Exposure to CCRIS and attending to BNM request (added advantage)
• Strong leadership and people management skills. Experience in leading a team

Pay: RM8,000.00 - RM11,000.00 per month

Benefits:

• Dental insurance
• Flexible schedule
• Health insurance
• Opportunities for promotion
• Professional development

Education:

• Bachelor's (Preferred)

Experience:

• Credit Review: 8 years (Preferred)

Language:

• Mandarin (Preferred)

Work Location: In person