- To make proper credit decision on solid rational and full compliance with Local Credit Guidelines and work instructions, as well as limited TAT as target setting
- As part of process, to verify the correctness and completeness of mandatory documents required before proceeding credit assessment which include data verification, sanction, AML & fraud characteristics check, review Credit Platform (Scoring Engine) decision, NCB information, source of income, debt servicing ability
- To identify risk, interpret complicated financial information and assess customers’ credit worthiness and ability to service debts as well as appropriate risk mitigation and Credit Rating before providing credit recommendation / first decision to the management & Local Credit Committee via comprehensive credit write-up either for new request/ annual review/ debt restructuring / dealer inquiry(s). Also, to ensure high quality of credit evaluation in CRD and efficient fleet TAT
- To clarify unclear points and necessary clarifications on credit-related topics/tools with HQ Credit to fully comply with Credit Rules & Product Rules
- To issue & manage returned signoff (dealer’s acceptance) on Commitment letter, Offering letter, as required per pre-defined process or borrower’s request
- To manage the approved credit line, credit rating, customer type for CD/CF accounts in WFS & CMS upon annual credit review/change
To properly communicate and co-ordinate with Sales team and (Floorplan) Ops and Legal to issue and distribute relevant credit documents and Agreement(s) to relevant parties in timely manner
Coordinate and help resolve credit-related questions or differing views with Sales (F&I, DRM) and other responsible teams; seek guidance when needed and provide practical support to promote a smooth, controlled process
- Able to identify system errors and co-ordinate with IT/responsible teams to get problem solving on system bugs, Credit Platform, etc.
- To set & manage job priority on both planned credit review, new requests, and retail credits (e.g. high volume) and efficiently deliver credit approval/credit applications within expected TAT
- To manage Credit Admin to provide team support eg. Data search, credit filing and document scanning, and reports, etc.
To ensure accuracy of data input/issuance under credit responsible area, including
- Customer’s info in POS/CAP
- Terms and conditions of the financed assets are in line with the approved credit facilities and fulfilled before actual credit drawdown or contract activation
- Fraud characteristics / documents
- Commitment letter / Offering letter, etc.
To keep knowledge of all key issues up-to-date and ensure full compliance to MBFS Credit Rules and relevant regulations, etc. and support process improvement
ACDR and digitalization mindset
- Support team to have smooth routine jobs and align to the KPIs and company targets
- Support sharing/ leading discussion on new/changing risk factors, lending criteria, any impact on Business Policy Rules, process improvement in team meeting, or as scheduled
- Share knowledge and lesson learnt with team members; experienced job holders may also provide on-the-job coaching on retail credit underwriting and applicable rules and regulations
To support preparing Credit reports, special project(s), and/or other assignments, including
- System testing on Ascent CAP/CMS/WFS, Credit Rating, Scoring etc.
- To prepare & deliver Credit-related reports as part of risk monitoring and upon request
- HQ’s project/initiatives
- If possible, to support/co-ordinate with HQ team on the review process and strategy on Scorecard/Scoring engine/Business Policy rules, ACDR, ACDP, etc.
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, Data Analytics, or another relevant field. A Master’s degree or MBA is an advantage
- Open to early-career candidates, experienced professionals, and internal rotation applicants. Relevant exposure may come from credit, risk, finance, accounting, collections, operations, or other roles demonstrating strong analytical and control awareness
Credit or automotive-finance experience is an advantage. Candidates from other backgrounds should demonstrate learning agility, sound judgement, numerical confidence, and willingness to complete structured credit training
- Analytical curiosity, attention to details, and the ability to investigate information and form well-reasoned conclusions
- Demonstrates a digital mindset with adaptability to emerging technologies, AI, and hybrid working environments
- Sound judgement, integrity, organization, and effective time management
- Proactive in problem-solving, with a focus on maintaining service excellence and operational efficiency
- Results-driven and decisive, with the ability to perform effectively under pressure and tight deadlines
- Learning agility, accountability, and the ability to work independently as competence develops, while collaborating effectively with the team
- Commitment to learning and consistently applying Credit Rules, policies, procedures, and control requirements
- Strong command of English in both written and spoken communication
- Effective communication and presentation skills, suitable for both operational and management-level discussions
- Advanced IT and numerical proficiency, including MS Office applications (Excel, PowerPoint), MS Teams, and AI tools
- Foundational knowledge of financial analysis or risk assessment, or the demonstrated ability to develop it through structured training
- Experience with credit systems such as Ascent WFS and CAP/CMS is an advantage; training can be provided
