Assistant Manager / Manager, Credit Risk

NTT DATA Payment Services Sdn Bhd; Petaling Jaya; On-site; MYR 120,000 - 180,000; Full time

Job summary

NTT DATA Payment Services Sdn. Bhd. is seeking an Assistant Manager / Manager, Credit Risk to evaluate SME loan applications from Malaysia and overseas, delivering independent pre-approval credit assessments and risk-based recommendations.

You will engage regional risk partners, monitor credit quality post-approval, maintain dashboards, and contribute to policy development and training materials. Fluency in English and Bahasa Malaysia is required.

Qualifications

• Bachelor’s or Professional degree in Finance/Accounting/Economics/Risk Management/Banking.
• Minimum five years in financial services with credit evaluation/credit management experience.
• Experience in SME lending preferred.
• Fluent in English and Bahasa Malaysia (spoken and written).
• Ability to use AI tools to enhance productivity and decision making.

Responsibilities

• Evaluate SME loan applications in Malaysia and other countries under the group scope.
• Provide well-supported credit risk recommendations with basis, assumptions and methodology.
• Approve credit limits within Delegated Authority or escalate per policy.
• Maintain loan records and portfolio dashboards for review by Head of Department.
• Prepare monthly country exposure and portfolio health reports.

Skills

Credit reporting

Advanced Excel

PowerPoint

Bilingual English/Bahasa Malaysia

AI productivity tools

Education

Bachelor’s or Professional Degree in Finance/Accounting/Economics/Risk Management/ Banking

Tools

Credit reporting tools

Job description

Assistant Manager / Manager, Credit Risk

Evaluate SME loan applications originating from Malaysia and other countries under the purview of NTT DATA Payment Services Sdn. Bhd. (e.g., Philippines) by performing independent pre-approval credit assessments to identify major credit risks and adequacy of mitigating factors.

Provide well-supported credit risk recommendations to the approving authority with appropriate basis, assumptions and methodology.

Approve e-Pay’s request for credit limit within assigned Delegated Authority Limit, or recommend to the next higher approving level in accordance with the relevant policy.

Approve credit applications within ‘Delegated Lending Authority’ assigned or recommend to next higher approving level for approval in accordance with the Credit Policy.

Perform or review the credit limit maintenance in the system upon approval and monitor any reversal of temporary credit limit.

Ensure the new or changes in the business proposals/products are fully understood including basis, assumptions and methodology; challenge business owners’ rationales where necessary.

Engage relevant parties across the region, including business owners, risk partners and support functions (Group Product, Compliance & Legal, Finance, Operations, respective country risk team etc).

Ensure all credit applications comply with the internal credit guidelines and policies as well as regulatory requirements.

Monitor loan accounts post-approval to ensure ongoing credit quality and compliance with approved terms and conditions.

Prepare and maintain the loan records and credit portfolio dashboard reporting for review by the Head of Department, and subsequent submission for Management and Board meetings.

Provide monthly reports on country exposure and overall credit portfolio health (credit risk exposures, NPL ratios etc.

Policy and SOP Development

Draft new policies and Standard Operating Procedures (SOPs) under the Credit Risk Department for HOD’s review and approval by Senior Management/ BOD.

Review and update existing credit risk policies, procedures, risk controls, and limits/parameters for centres across the region.

Ensure alignment with regulatory requirements and industry best practices.

Advisory and Other Responsibilities

Keep abreast of industry developments, market sentiments, and general business trends and their impact on the lending portfolio and provide updates to the HOD, where necessary.

Prepare briefing or training deck material on credit related matters.

Working closely with other departments such as Group Product, Business Team and Legal and Compliance on credit-related matters and projects.

Collaborating with cross-functional teams to ensure credit risk considerations are embedded in new product development, partnerships and business expansion.

Providing credit risk advisory and support to internal stakeholders.

Assist HOD in investigating potential credit risk issues raised by regulators, external auditors and internal audits.

Undertake ad-hoc projects and duties assigned by the Head of Department.

Requirements

Education and Certification

Candidate must possess with a minimum of Bachelor’s Degree or Professional Degree in Finance/ Accounting / Economics / Risk Management / Banking or any other equivalent qualifications.

Experience

Candidate must possess with minimum five (5) years of working experience in the financial services industry.

Work experience in credit evaluation/ credit management is compulsory.

Experience in SME lending is preferred.

Critical and analytical thinking.

Excellent judgement and decision making.

Sounds understanding of financial products, particularly basic SME lending facilities.

Communicate effectively in both English and Bahasa Malaysia (fluent oral and written)

Appreciate a technology-driven business and able to revamp process flow and automation for efficiency.

Proficiency in credit reporting and dashboard tools.

Advanced proficiency in Microsoft Excel and PowerPoint as well as knowledge and ability to leverage AI tools to enhance productivity, streamline credit analysis and support data-driven decision-making.

Pay range and compensation package

Salary and compensation details will be discussed during the interview process.

Equal Opportunity Statement

NTT Data Payment Services is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

At NTT DATA Payment Services, we empower businesses across Southeast Asia with reliable, secure, and innovative payment solutions—both online & offline.

With a strong presence in Malaysia, the Philippines, and Thailand, our reach spans more than 480,000 payment touchpoints across the region. As a one-stop payment solutions provider, we serve businesses of all sizes, from retail to enterprise, delivering seamless transaction experiences backed by over 30 years of industry expertise.

As part of NTT DATA Japan, one of the world’s top 10 global IT service providers, we combine deep local insights with world‑class technology and innovation to help businesses grow & succeed in the digital economy.