Credit Analyst

Paydibs; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

A leading payment acquiring company in Kuala Lumpur seeks an experienced Credit Analyst to establish its merchant financing business. You'll have the opportunity to shape credit policies, evaluate loan portfolios, and contribute to system designs. The ideal candidate has 3–5 years of credit analysis experience and a degree in Finance or a related field.

Qualifications

• 3–5 years of experience in credit analysis or SME financing.
• Familiarity with credit risk frameworks and regulatory requirements.
• Experience in fintech or merchant lending is an advantage.

Responsibilities

• Conduct comprehensive credit analysis on Merchants.
• Establish and maintain credit scoring methodologies.
• Design and document Standard Operating Procedures for credit assessment.
• Collaborate on the design of Loan Management and Origination Systems.
• Monitor portfolio performance and recommend adjustments.

Skills

Credit analysis

Financial modelling

Analytical skills

Communication skills

Education

Bachelor’s degree in Finance, Accounting, Economics

Job description

We are looking for an experienced and driven Credit Analyst (SME / Merchant Financing) to be the founding member of our new merchant financing business line under a leading payment acquiring company.

This is a unique opportunity to shape the foundation of the business — from credit framework design to hands-on portfolio evaluation. You’ll play a key role in designing the credit policies, SOPs, and contributing to the Loan Management System (LMS) and Loan Origination System (LOS) setup, while performing in-depth credit assessments on SMEs and merchants within our payment network.

Key Responsibilities

• Conduct comprehensive credit analysis on Merchants, evaluating business performance, repayment capacity, and risk profile.
• Establish and maintain credit scoring methodologies, underwriting parameters, and risk acceptance criteria for merchant financing.
• Design and document the Standard Operating Procedures (SOPs) for credit assessment, approval, and review workflows.
• Collaborate with product, data, and system development teams to contribute to the design of LMS and LOS systems, ensuring they support efficient credit processes and compliance.
• Review financial statements, transactional data, and acquiring histories to determine loan terms, structure, and conditions.
• Present credit recommendations with clear justifications and risk mitigation strategies for approval.
• Monitor portfolio performance and recommend adjustments to improve credit quality and process efficiency.
• Support regulatory and compliance requirements related to lending and financing activities.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• 3–5 years of experience in credit analysis, underwriting, or SME financing (experience in fintech, payments, or merchant lending is an advantage).
• Strong analytical and financial modelling skills with a keen eye for detail.
• Familiarity with credit risk frameworks, loan system workflows, and regulatory requirements.
• Proactive, independent, and able to build frameworks and processes from the ground up.
• Excellent written and verbal communication skills for presenting credit cases and drafting policies.