Credit Manager

BAY GROUP HOLDINGS SDN. BHD.; Selangor; On-site; MYR 60,000 - 100,000; Full time

Job summary

CapBay is seeking a seasoned Credit Risk Analyst to join our Finance team in Selangor. You will screen applications from Sales and Business Development through our credit scoring system, ensuring alignment with CapBay's mission to provide smart financing to SMEs while maintaining investor trust.

The role emphasizes risk assessment, credit papers, cash flow projections, and ongoing portfolio monitoring, with opportunities to contribute to improving ECL/PD methodologies and new financing products.

Qualifications

• Minimum 5 years of experience in Retail/ SME/ Commercial credit analysis OR SME/Biz banking sales-relationship management experience.
• Bachelor's degree in Finance/Accounting, Business Administration or related field.
• Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage.
• Strong analytical skills with good grasp of financial analysis and cash flow projections.

Responsibilities

• Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
• Provide financial projections or sensitivity analysis for credit evaluation where necessary.
• Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
• Support development and enhancement of credit risk methodologies including Expected Credit Loss (ECL), Probability of Default (PD), portfolio segmentation, and credit scoring frameworks.
• Provide credit risk insights and modelling support for new financing products, partnerships, and portfolio expansion initiatives.

Skills

Credit analysis

Financial modeling

Risk assessment

Analytical skills

Education

Bachelor's degree in Finance/Accounting

Job description

CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us at www.capbay.com

About Us

CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us at www.capbay.com

About the Job

In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay's mission to provide smart and inclusive financing to SMEs whilst maintaining investors' trust in us.

Key Responsibilities

• Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
• Provide financial projections or sensitivity analysis for credit evaluation where necessary.
• Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
• Support development and enhancement of credit risk methodologies including Expected Credit Loss (ECL), Probability of Default (PD), portfolio segmentation, and credit scoring frameworks.
• Provide credit risk insights and modelling support for new financing products, partnerships, and portfolio expansion initiatives.

Key Qualifications and Requirements

We are looking for someone with:

• Minimum 5 years of experience in Retail Business / SME / Commercial credit analysis OR SME/Biz banking sales-relationship management experience.
• Minimum a recognised Bachelor's degree in Finance/Accounting, Business Administration or related field.
• Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage.
• Strong analytical skills with good grasp of financial analysis and cash flow projections.