Credit Review Manager (FS)

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

Job summary

Randstad Malaysia invites applications for a Manager, Credit Review based in Bandar Utama. You will act as a fraud risk gatekeeper, ensure loan approvals use genuine documentation, and oversee post-approval quality and SAS-driven decision engines.

You will lead a team, develop scorecards, support CCRIS reporting and regulatory requirements, and collaborate with legal, compliance, and sales teams to strengthen risk controls.

Qualifications

• Bachelor’s degree in Business, Commerce, Economics, Finance, Banking, or an equivalent qualification.
• 8–12 years of credit evaluation experience with fraud detection exposure.
• Proficient in SAS programming and building rule-based engines and credit scorecards.
• CCE or CCR certifications.
• Exposure to CCRIS and BNM regulatory reporting is an asset.
• Strong leadership and people management capabilities; able to lead a team.

Responsibilities

• Pre-Approval & Fraud Review: Screen high-risk loan applications, verify applicant identity, detect document fraud and conduct dealer legitimacy checks.
• Red Flag & Pattern Analysis: Monitor application patterns, synthetic identities, and fraud scoring watchlists to identify suspicious activity early.
• Investigations & Compliance: Issue application holds/rejections, refer cases for deeper investigation, coordinate with legal/compliance teams, and file SARs under local AML regulations.
• Post-Approval Quality Assessment: Review credit approval decisions against internal guidelines, assess process quality, and conduct post-mortems on delinquent or non-performing loans.
• Decision Engine & Analytics: Design, implement, and maintain credit scorecards, instinct rules, and automated filters using SAS programming.
• Regulatory & Project Support: Support ad-hoc Bank Negara Malaysia CCRIS reporting and lead key departmental expansion initiatives.

Skills

fraud risk gatekeeper

Education

Bachelor’s degree in Business, Commerce, Economics, Finance, Banking, or an equivalent qualification

Tools

SAS programming

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 a strong multinational brand, the company is committed to delivering reliable financial services while maintaining robust risk governance, compliance, and technological innovation across its operations.

about the job

In this role, the successful candidate will join our client as the Manager, Credit Review, serving as a key fraud risk gatekeeper and quality reviewer within the hire purchase financing workflow. Based in Bandar Utama, the incumbent will ensure that loan approvals rely on genuine documentation, verified counterparties, and legitimate borrower intent. Beyond fraud prevention, the role oversees post-approval quality reviews, SAS-based rule engine development, scorecard management, and regulatory compliance support.

• Position: Manager, Credit Review

• Employment Type: Full-time, Permanent

Key Responsibilities

• Pre-Approval & Fraud Review: Screen high-risk loan applications, verify applicant identity, detect document fraud (e.g., bank statements, salary slips), and conduct dealer legitimacy checks.

• Red Flag & Pattern Analysis: Monitor application patterns, synthetic identities, and fraud scoring watchlists to identify suspicious activity early.

• Investigations & Compliance: Issue application holds/rejections, refer cases for deeper investigation, coordinate with legal/compliance teams, and file Suspicious Activity Reports (SARs) under local AML regulations.

• Post-Approval Quality Assessment: Review credit approval decisions against internal credit guidelines, assess process quality, and conduct post-mortems on early delinquent or non-performing loans.

• Decision Engine & Analytics: Design, implement, and maintain credit scorecards, instinct rules, and automated filters using SAS programming to optimize decision efficiency and accuracy.

• Regulatory & Project Support: Support ad-hoc Bank Negara Malaysia (BNM) CCRIS reporting/rectifications and lead key departmental expansion initiatives.

Qualifications & Requirements

• Education: Bachelor’s degree in Business, Commerce, Economics, Finance, Banking, or an equivalent qualification.

• Experience: 8 to 12 years of experience in credit evaluation with proven hands-on exposure to fraud detection and investigation.

• Technical Proficiency: Proficient in SAS programming with demonstrated experience building and deploying rule-based decision engines and credit scorecards.

• Certifications: Possession of Certified Credit Executive (CCE) or Certified Credit Reporter (CCR) certifications.

• Regulatory Knowledge: Prior exposure to CCRIS and attending to BNM regulatory reporting requests is an added advantage.

• Leadership: Strong leadership and people management capabilities with proven experience leading a team.

about the manager/team

The Credit Review team functions as an independent second-line defense, reporting directly to senior credit and risk leadership. The team collaborates closely with credit evaluation, sales/dealership management, asset management, and legal/compliance units. It offers a structured, data-driven environment focused on continuous process automation, analytics, and robust risk controls.

skills

fraud risk gatekeeper

qualifications

Minimum 8- 12 years of experience in credit evaluation function

education

Bachelor Degree