ASSISTANT MANAGER, RISK

CARSOME Sdn Bhd; Petaling Jaya; On-site; MYR 80,000 - 150,000; Full time

Job summary

CARSOME Sdn Bhd in Malaysia is seeking a skilled Credit Risk professional to join our risk team. You will assess credit risk exposures, monitor portfolios and produce risk insights to guide financing decisions.

The role requires 4–6 years of relevant experience, strong analytical skills, and proficiency with Excel and Power BI. You will collaborate with Finance, Compliance, and Operations to strengthen risk controls.

Qualifications

• Bachelor’s degree in a relevant field.
• 4–6 years of risk management experience.
• Experience in credit risk, monitoring, and reporting.

Responsibilities

• Assess and analyze credit risk exposures from financing activities and customer profiles.
• Review credit applications and risk indicators to support sound decisions.
• Monitor portfolio performance, delinquency trends, and potential deterioration.
• Prepare risk reports and KRIs to support management decisions.
• Assist in developing risk policies and governance frameworks.
• Collaborate with cross‑functional teams on risk issues and reporting.

Skills

Credit risk analysis

Portfolio analytics

Risk reporting

Stakeholder management

Excel & Power BI

Education

Bachelor's degree in Finance, Economics, Accounting, Risk Management, Business Administration, Statistics

Tools

Power BI

SQL

Excel

Job description

PERMANENT - FULL TIME

Job Description

Your Day-to-Day

1. Credit Risk Assessment and Monitoring

• Assess and analyse credit risk exposures arising from financing activities, customer profiles and business transactions.
• Review credit applications, financial information, repayment behaviour, and relevant risk indicators to support sound credit decisions
• Monitor portfolio performance, delinquency trends, default rates, and potential credit deterioration
• Identify emerging credit risks and recommend appropriate mitigation measures to minimise potential losses

2. Risk Analytics and Portfolio Management

• Prepare and analyse risk reports, portfolio dashboards, and key risk indicators (KRIs) to support management decision-making
• Conduct trend analysis, sensitivity analysis, and stress testing where applicable to evaluate potential risk exposure
• Identify portfolio concentration risks, unusual patterns, and deviations from established risk parameters
• Provide data-driven recommendations to improve portfolio quality, risk-adjusted returns, and overall business performance

3. Risk Policy and Framework

• Support the development, review, and implementation of risk management policies, procedures, and assessment methodologies
• Ensure risk assessment processes are aligned with approved risk appetite, internal control, and applicable regulatory requirements
• Recommend enhancements to existing risk policies and controls based on portfolio performance, business developments, and identified risk gaps
• Maintain proper documentation of risk assessments, policy changes, and mitigation actions

4. Risk Control and Mitigation

• Identify potential operational, process, and business risks within financing operations
• Work with relevant business units to investigate risk incidents, assess root causes, and implement corrective and preventive actions
• Monitor compliance with established risk limits, approval authorities, and control procedures
• Escalate material risk issues, policy breaches, and emerging exposures to the Head of Risk and relevant stakeholders

5. Regulatory Compliance and Governance

• Support compliance with applicable Malaysian laws, regulatory requirements, and internal governance standards relevant to the company’s business activities
• Assist in preparing risk-related materials for management reviews, risk committees, and internal or external audits
• Coordinate with Finance, Operations, Compliance, Legal, and other relevant teams on risk issues

6. Stakeholder Collaboration and Reporting

• Collaborate with business and operational teams to balance business growth objectives with prudent risk management practices
• Prepare periodic risk reports, management updates and presentations highlighting key exposures trends, and mitigation plans
• Support risk-related projects, process improvements, and initiatives to strengthen the company’s risk management capabilities
• Perform other risk management duties as assigned by the Head of Risk

Job Requirement

• Bachelor’s degree in Finance, Economics, Accounting, Risk Management, Business Administration, Statistics, or a related discipline
• Minimum 4-6 years of relevant experience in risk management, credit risk, portfolio analytics, financial services, banking, or financing
• Experience in credit assessment, portfolio monitoring, risk reporting, and risk mitigation is preferred
• Experience in a non-bank financial institution, consumer financing, automotive financing, or a related industry would be an advantage
• Strong analytical, quantitative, and problem solving skills
• Proficiency in Microsoft Excel and PowerPoint, experience with Power BI, SQL, or other data analytical tools is an advantage
• Ability to interpret financial data, identify risk trends, and translate findings into actionable recommendations
• Good understanding of credit risk principles, risk assessment methodologies, and internal control practices
• Strong report-writing, presentation, and stakeholder management skills

About Us

CARSOME is Southeast Asia’s largest integrated car e-commerce platform. With presence across Malaysia, Indonesia, Thailand and Singapore, we aim to digitalize the region’s used car industry by reshaping and elevating the car buying and selling experience.

Vision

To create the most trusted vehicle ownership ecosystem powered by technology & data.

Mission

To provide our customers with peace of mind through the entire lifecycle of their pre-owned vehicle ownership experience.