Deskripsi Pekerjaan
We are seeking a highly skilled Assistant Manager (Credit Processing) to join our dynamic team in Ipoh, Perak. In this pivotal role, you will take charge of the end-to-end credit lifecycle, ensuring that our credit policies are strictly adhered to while fostering sustainable business growth.
You will be responsible for analyzing financial statements, assessing creditworthiness, and managing credit limits. This position offers the opportunity to lead a team, mentor junior staff, and play a critical role in risk management strategies. We are looking for a detail-oriented professional who thrives in a fast-paced financial environment and can effectively communicate complex credit decisions to stakeholders.
Join a forward-thinking company where your expertise will directly impact our financial health and operational success.
Tanggung Jawab
- Oversee the daily operations of the credit processing department, including reviewing and approving credit applications.
- Analyze financial statements and credit reports to determine risk levels and recommend appropriate credit limits.
- Monitor existing loan portfolios to identify delinquent accounts and implement effective recovery strategies.
- Prepare comprehensive credit risk reports and present findings to senior management on a regular basis.
- Ensure strict compliance with internal policies, banking regulations, and external statutory requirements.
- Collaborate with the sales and collections teams to resolve customer disputes and improve overall credit health.
- Conduct regular reviews of customer creditworthiness and adjust credit terms accordingly.
- Develop and maintain credit scoring models to enhance decision-making accuracy.
Kualifikasi
- Bachelor’s degree in Finance, Accounting, Banking, or a related field.
- Minimum of 3-5 years of experience in credit analysis, risk management, or banking operations.
- Proven track record of managing a team or working in a supervisory role.
- Strong analytical skills with the ability to interpret complex financial data and trends.
- Familiarity with credit management software and ERP systems (e.g., SAP, Oracle).
- Excellent communication and interpersonal skills, with the ability to negotiate effectively.
- Ability to work under pressure and meet tight deadlines in a high-volume setting.
- Strong ethical standards, attention to detail, and a proactive problem-solving mindset.