AM/Manager, Credit & Marketing

Pac Lease Berhad; Kuala Lumpur; On-site; MYR 78,000 - 112,000; Full time

Job summary

Pac Lease Berhad in Malaysia is seeking a proactive professional to drive business development, assess credit applications, and manage existing client relationships for Hire Purchase, Term Loan and Insurance products.

You will generate new business, maintain portfolio quality, coordinate with internal teams for timely processing, and structure deals with pricing aligned to risk parameters.

Qualifications

• Diploma/degree or professional qualification in business studies, marketing, finance, commerce or related field.
• Experience in equipment financing or Hire Purchase or other financial products is preferred.
• Established marketing/business network to generate and develop opportunities.

Responsibilities

• Generate new business through prospecting, marketing activities, referrals, and relationship building to achieve individual sales targets.
• Assess and recommend credit applications within the approved turnaround time, including credit due diligence and financial analysis.
• Monitor portfolio quality and support collection activities to minimize delinquency and non-performing accounts.

Skills

Credit analysis

Financial analysis

Customer assessment

Business prospecting

Negotiation

Marketing

Communication

Education

Diploma or degree

Professional qualification

Job description

OVERVIEW:

This role is responsible for business development, credit assessment, and existing client management for Hire Purchase, Term Loan and Insurance products, with a focus on achieving sales targets, maintaining portfolio quality, supporting collection activities, and delivering profitable and timely business execution.

KEY RESPONSIBILITIES:

• Generate new business through prospecting, marketing activities, referrals, and relationship building to achieve individual sales targets.
• Manage relationships with existing clients, suppliers, and business partners to retain customers and identify repeat, cross-selling, and referral opportunities.
• Assess and recommend credit applications within the stipulated turnaround time, including credit and customer due diligence, financial analysis, and review of supporting documentation, in accordance with approved credit policies and guidelines.
• Ensure accurate and complete credit documentation and coordinate with relevant internal departments for timely approval, processing, and disbursement.
• Monitor customer accounts and portfolio performance to identify credit risks, maintain portfolio quality, and ensure alignment with the required customer profile.
• Structure business with appropriate pricing and terms to achieve the required yield and profitability while maintaining compliance with approved risk parameters.
• Support collection and follow-up activities to encourage timely repayment and minimize delinquency and non-performing accounts.
• Manage Group-referred cases from assessment through to timely processing and closure.
• Monitor sales, business pipeline, portfolio quality, and yield and take appropriate actions to achieve business objectives.
• Ensure proper records are maintained and all activities comply with company policies, regulatory requirements, and internal controls.

WHAT DOES IT TAKE TO BE SUCCESSFUL

Qualifications & Experience

• Possesses a Diploma/Degree/Professional Qualification in any discipline, preferably in Business Studies, Marketing, Finance, Commerce, or a related field.
• Relevant experience in equipment financing, Hire Purchase or other financial products, with demonstrated experience in business development and customer relationship management.
• Established marketing/business network and ability to independently generate and develop business opportunities.

Skills & Competencies

• Good credit writing, financial analysis, and customer assessment skills.
• Good business prospecting, marketing, communication, and negotiation skills.
• Self-driven and able to independently manage customers, sales activities, and credit applications.
• Ability to identify business opportunities while maintaining appropriate credit quality.