Senior Credit Risk Executive (Trade Credit)

This role is responsible for supporting daily credit assessment and credit operations activities, including customer onboarding, credit limit reviews, and portfolio monitoring. The role ensures credit decisions are made in a timely and accurate manner while maintaining sound credit risk control and supporting business growth.

Perform credit assessments for new customer onboarding, including basic KYC checks, financial review, and legitimacy verification.

Review and approve credit limits within delegated authority and escalate higher-risk cases when necessary.

Monitor customer credit utilisation, overdue balances, and overall portfolio exposure.

Conduct periodic credit reviews and support credit limit adjustments

Maintain accurate credit documentation and records.

Identify early warning signs of credit risk such as delays in payment or deteriorating behaviour.

Ensure adherence to internal credit policies and procedures.

Support improvements to credit processes and basic automation initiatives.

Work closely with Sales and other stakeholders to provide clear explanations for credit decisions

2–5 years of experience in credit risk, credit analysis, loan underwriting, credit operations, or trade credit-related roles

Bachelor’s degree in Finance, Accounting, Economics, Business, Banking, or related field

Basic understanding of financial statement analysis and credit risk principles

Strong analytical and critical thinking skills

Good attention to detail

Proficiency in Excel or Google Sheets (AppScript is an advantage)

Ability to work in a fast-paced environment and meet deadlines

English and Malay

Strong judgment and decision-making ability

Good communication and stakeholder management skills

Ability to balance risk control with business needs

Independent and team-oriented working style