Credit Management, Manager (FS)

Randstad Malaysia; Kuala Lumpur; On-site; MYR 180,000 - 240,000; Full time

Job summary

Randstad Malaysia’s client seeks a Manager, Credit Management to lead credit evaluations and support sales growth while ensuring risk alignment. Based in Bandar Utama, the role requires genuine documentation, verified counterparties, and legitimate borrower intent.

You will balance underwriting with policy governance, monitor portfolio risk, and participate in collections when needed. 8–12 years in credit evaluation, a Bachelor’s degree, and CCR/CCRIS certifications are required.

Qualifications

• Bachelor's degree in Business, Commerce, Economics, Finance, Banking, or equivalent.
• 8–12 years of experience in a credit evaluation function.
• Certifications: CCE or CCR certifications.

Responsibilities

• Credit Strategy & Execution: Align underwriting with growth targets within risk appetite.
• Credit Underwriting & Approval: Evaluate and approve according to guidelines and scorecards.
• Policy Governance: Enforce and monitor compliance with credit policies and standards.
• Portfolio & Risk Analytics: Monitor performance and track key risk metrics.
• Collections & Recovery Support: Oversee collections and recovery to minimize losses.

Skills

Credit strategy

Education

Bachelor's degree

Job description

About the company

our client is a leading auto finance and credit services provider in Malaysia, specializing in hire purchase financing, vehicle leasing, and mobility solutions. Backed by an established multinational brand, the company is committed to delivering reliable financial services while maintaining robust risk governance, policy compliance, and sustainable business growth across its operations.

About the job

In this role, the successful candidate will join our client as the Manager, Credit Management, responsible for evaluating credit applications and supporting sales growth while ensuring risk alignment. Based in Bandar Utama, the incumbent will ensure that credit approvals rely on genuine documentation, verified counterparties, and legitimate borrower intent. The role balances credit underwriting and policy enforcement with proactive portfolio monitoring and risk governance.

• Position: Manager, Credit Management
• Employment Type: Full-time, Permanent

Key Responsibilities

• Credit Strategy & Execution: Align credit underwriting with business growth targets while remaining strictly within the organization's risk appetite.
• Credit Underwriting & Approval: Perform credit evaluations and grant approvals in accordance with internal underwriting guidelines and credit scorecard alignment.
• Policy Governance: Enforce, adhere to, and monitor compliance with credit policies and regulatory standards.
• Portfolio & Risk Analytics: Monitor ongoing credit portfolio performance and track key risk metrics.
• Collections & Recovery Support: Participate in and oversee collections, asset risk management, and recovery activities to minimize credit loss.

Qualifications & Requirements

• Education: Bachelor’s degree in Business, Commerce, Economics, Finance, Banking, or an equivalent qualification.
• Experience: 8 to 12 years of experience in a credit evaluation function.
• Certifications: Possession of Certified Credit Executive (CCE) or Certified Credit Reporter (CCR) certifications.
• Domain Knowledge: Proven experience in fraud detection and investigation while performing credit evaluation duties.
• Regulatory Exposure: Hands‑on experience with CCRIS and attending to Bank Negara Malaysia (BNM) requests.
• Leadership: Strong leadership and people management skills with demonstrated experience leading a team.

About the manager/team

The Credit Management team works closely with sales and business units to facilitate business growth without compromising credit quality. Reporting directly to senior risk and credit leadership, the team operates in a collaborative, structured environment focused on prudent risk assessment, policy enforcement, and operational excellence.

Skills

Credit Strategy & Risk Appetite Execution

Qualifications

Minimum 8- 12 years of experience in credit evaluation function

Education

Bachelor Degree