Credit Analysis & Risk Executive (Hire Purchase/Auto Financing)

CARRO; Subang Jaya; On-site; MYR 56,000 - 89,000; Full time

Benefits offered by this job

Medical benefits

Insurance

Well-being program

Flexible working

Job summary

Carro is seeking a Credit Analysis & Risk Executive to evaluate loan applications for Hire Purchase and Auto Financing. You will prepare reports detailing borrower strengths, weaknesses, and repayment ability while ensuring policy compliance and data confidentiality.

The role requires finance-related education, at least 2 years' credit analysis experience, and strong analytical and communication skills. Join a dynamic team in Malaysia with growth opportunities.

Qualifications

• Bachelor’s degree or diploma in finance, accounting, business, or a related field.
• Minimum 2 years of experience in credit analysis, loan evaluation, or a similar role.
• Strong understanding of Hire Purchase Loan and Credit Term processes.
• Proficient in analyzing financial statements and assessing creditworthiness.
• Excellent attention to detail and ability to identify risks in loan applications.
• Familiarity with credit policies, procedures, and compliance standards.
• Strong communication skills to provide clear insights and recommendations.
• Ability to work collaboratively with teams and meet strict deadlines.
• Proficiency in Microsoft Office applications (Excel, Word, PowerPoint).

Responsibilities

• Perform evaluation tasks for Hire Purchase Loan and Credit Term applications.
• Prepare thorough analysis reports detailing borrower strengths, weaknesses, and repayment ability.
• Ensure compliance with company policy and judgment procedures.
• Maintain confidentiality of protected information.
• Collaborate with team and other departments to meet deadlines.
• Offer sound opinions to improve credit assessment processes.
• Perform other related duties as required.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Communication skills

Attention to detail

Education

Bachelor’s degree or diploma in finance, accounting, business, or a related field

Tools

Excel

PowerPoint

Word

Job description

Credit Analysis & Risk Executive (Hire Purchase/Auto Financing)

Carro has carved out a reputation as Southeast Asia’s largest online automotive marketplace. This tech unicorn is a people-centric business with over 4,000 employees in 7 countries who speak 9 languages. Working here, you’ll be part of a diverse, inclusive, team that drives innovation and change, and find a place that supports your growth and development. Visit us at www.carro.co

Why work with Carro?

Join the region’s largest online automotive marketplace with offices in 7 countries.

Firsthand experience in reshaping the automotive industry using the latest technologies such as AI and machine learning.

Formal and informal learning and development programmes to support your growth and career progression.

Comprehensive benefits include medical, insurance, and well-being.

Flexible working arrangements upon request.

Learn from some of the most experienced mentors in the technology and automotive space.

Meet and interact with colleagues from all around Asia.

Pursue opportunities to work at departments in other countries and regions.

Diverse and inclusive working environment with modern workspaces.

Fun and engaging employee events, initiatives, and celebrations.

About your role

To perform evaluation tasks for loan applications for Hire Purchase Loan and Credit Term.

To prepare a thorough analysis report detailing a borrower’s strengths, weakness, and ability to repay debt as well as identify risks.

To comply with the company’s policy and procedure for judgment.

To ensure the confidentiality of all protected information.

To work closely with the team members and inter‑department members to complete tasks on a predetermined timeline.

Able to give sound opinions to improve the credit assessment process.

Perform other related duties as required.

Requirements

Bachelor’s degree or diploma in finance, accounting, business, or a related field.

Minimum 2 years of experience in credit analysis, loan evaluation, or a similar role.

Strong understanding of Hire Purchase Loan and Credit Term processes.

Proficient in analyzing financial statements and assessing creditworthiness.

Excellent attention to detail and ability to identify risks in loan applications.

Familiarity with credit policies, procedures, and compliance standards.

Strong communication skills to provide clear insights and recommendations.

Ability to work collaboratively with teams and meet strict deadlines.

Proficiency in Microsoft Office applications (Excel, Word, PowerPoint).

High integrity with a commitment to maintaining confidentiality.

Founded in 2015, Carro is Southeast Asia's largest online used car marketplace. By offering a trustworthy and transparent experience, Carro transforms the traditional way of buying and selling cars through proprietary pricing algorithms, AI-enabled capabilities, and innovative technological solutions.

Carro holds a strong presence in key markets across Asia Pacific, including Malaysia, Indonesia, and Thailand, and has recently expanded its reach to Japan and Taiwan. Headquartered in Singapore, the unicorn startup is supported by more than 4,500 employees across Asia‑Pacific and has raised over US$1B in debt and equity from Temasek, Softbank Vision Fund, and several other sovereign funds. For more information, please visit:www.carro.co

Unlock job insights

Your application will include the following questions:

• What's your expected monthly basic salary?
• How much notice are you required to give your current employer?
• Which of the following languages are you fluent in?

Founded in 2015, Carro is Southeast Asia's largest used car marketplace. By offering a trustworthy and transparent experience, Carro transforms the traditional way of buying and selling cars through proprietary pricing algorithms, AI-enabled capabilities, and innovative technological solutions.

Headquartered in Singapore, the tech unicorn startup focuses on the automotive ecosystem, with business operations in retail, insurance, aftersales, and financing. It has raised over US$600 million from Softbank Vision Fund and several sovereign funds and is supported by over 4,500 staff across Asia‑Pacific.

Carro is currently present in 7 markets including SG, MY, ID, TH, HK, JP and TW.

Founded in 2015, Carro is Southeast Asia's largest used car marketplace. By offering a trustworthy and transparent experience, Carro transforms the traditional way of buying and selling cars through proprietary pricing algorithms, AI-enabled capabilities, and innovative technological solutions.

Headquartered in Singapore, the tech unicorn startup focuses on the automotive ecosystem, with business operations in retail, insurance, aftersales, and financing. It has raised over US$600 million from Softbank Vision Fund and several sovereign funds and is supported by over 4,500 staff across Asia‑Pacific.

Carro is currently present in 7 markets including SG, MY, ID, TH, HK, JP and TW.

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