Credit Risk Analyst

Kenanga Group; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading company in the financial sector seeks a Credit Risk Analyst to bolster its credit risk framework. The role is crucial in developing policies, conducting risk assessments, and ensuring adherence to regulations. Ideal candidates will possess strong analytical skills and a degree in finance or related fields.

Qualifications

• Bachelor's or Master's degree required in a relevant field.
• Experience in credit risk assessment or management.
• Strong analytical and quantitative skills.

Responsibilities

• Develop and maintain credit risk management policies and procedures.
• Conduct independent credit risk assessments.
• Design and enhance credit scoring models.
• Monitor credit exposures and escalate issues.
• Prepare risk analysis reports for committees.

Skills

Analytical skills

Quantitative skills

Communication skills

Education

Bachelor’s or Master’s degree in Business finance, Risk Management, Economics, or a related field

Job description

The Credit Risk Analyst plays a critical role in strengthening the organization's credit risk framework by developing policies, conducting independent risk assessments, and implementing analytical models to support prudent credit decision-making. The role involves close monitoring of credit exposures, early identification of deteriorating trends, and ensuring alignment with regulatory and internal risk standards.

Key Responsibilities:

• Develop and maintain credit risk management policies and procedures to ensure robust risk governance.
• Conduct independent credit risk assessments on counterparties, portfolios, and new products.
• Design and enhance credit scoring models to support risk-based decision-making.
• Monitor credit exposures and escalate early warning signs of deterioration to senior management.
• Prepare, review, and present comprehensive risk analysis reports and recommendations to credit and risk committees.
• Ensure full compliance with internal credit policies, regulatory guidelines, and risk appetite parameters.
• Support enterprise-wide stress testing exercises and internal capital adequacy assessments (ICAAP).
• Collaborate with key stakeholders across risk, finance, and business units to strengthen the overall credit risk profile.

Key Skills & Qualifications:

• Bachelor’s or Master’s degree in Business finance, Risk Management, Economics, or a related field.
• Strong analytical and quantitative skills with experience in credit risk assessment/management areas.
• Good communication and presentation skills for effective committee-level reporting.