Credit Risk/Approver- AVP/VP

CapBay Group; Kuala Lumpur; Sur place; MYR 120 000 - 180 000; Plein temps

Résumé du poste

CapBay Group is seeking an experienced Credit Analyst to evaluate financing applications from Sales and Business Development, filtering through our sophisticated credit scoring framework to ensure prudent, scalable lending to SMEs.

The role encompasses risk assessment, facility structuring, credit papers for approval, monitoring of loan portfolios, and collaboration with Finance, Operations and Compliance to enhance credit models and policy adherence.

Qualifications

• 7+ years in Retail SME/Commercial credit analysis or SME/banking sales-relationship management.
• Bachelor’s degree in Finance/Accounting or related field.
• Knowledge of ECL methodologies, PD, LGD, scorecards and data-driven credit assessment.
• Experience or qualifications in CCP/CCE/BCP is a plus.
• Strong analytical skills with cash flow projection abilities.

Responsabilités

• Provide credit evaluation on financing applications, covering risk assessment, facility structuring, and preparation of papers for Credit Committee approval.
• Assess specialised financing applications including embedded/SCF, evaluating anchor buyers, cash flows, and related relationships.
• Provide financial projections or sensitivity analysis for credit evaluation.
• Monitor loan portfolio repayments and conduct periodic credit reviews.
• Support development of credit risk methodologies (ECL, PD, portfolio segmentation, scoring).
• Collaborate with Business, Product, Operations, Legal, Compliance, and Technology teams for improvements.
• Provide risk insights on new products, partnerships, and portfolio expansion.
• Assess amendments, restructurings, renewals, and variations to existing facilities.
• Monitor performance and identify risks to recommend remedial actions.
• Analyze root causes of delinquencies and advise on policy enhancements.
• Mentor and develop junior credit team members.
• Stay updated on market, industry trends and regulatory changes.

Connaissances

Credit analysis

Financial analysis

Cash flow projections

ECL modelling

PD/LGD/scorecards

Credit modelling

Data-driven assessment

Mentoring

Stakeholder collaboration

Formation

Bachelor's degree in Finance/Accounting/Business Administration

Outils

CCP/CCE/BCP certification (advantage)

Description du poste

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 Role:

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 Responsibility:

• 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.
• Assess specialised financing applications, including embedded finance, supply chain finance, and programme-based financing, by evaluating the strength of anchor buyers, transaction cash flows, and underlying commercial relationships in addition to traditional financial analysis.
• 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.
• Collaborate closely with Business, Product, Operations, Legal, Compliance, and Technology teams to support process improvements, product enhancements, and business growth initiatives.
• Provide credit risk insights and input on new financing products, partnerships, and portfolio expansion initiatives.
• Assess requests for amendments, restructurings, renewals, and variations to existing credit facilities, ensuring continued credit quality and policy compliance.
• Monitor and review the performance of approved credit portfolios, identify emerging risks or deterioration trends, and recommend appropriate remedial or risk mitigation actions.
• Analyse the root causes of delinquent or underperforming accounts and provide recommendations to enhance credit policies, underwriting standards, and portfolio risk management.
• Mentor and technically develop junior credit team members
• Stay abreast of market developments, industry trends, and regulatory changes to ensure sound credit decisions and continuous enhancement of credit risk practices.

Key Qualifications and Requirements:

We are looking for someone with:

• Minimum 7 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.
• Knowledge of ECL methodologies and credit modelling techniques, with exposure to PD, LGD, scorecards, and data-driven credit assessment in a banking or fintech environment.
• 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.
• EY Emerging Entrepreneur Of The Year
• Fintech Start-up of the Year Malaysia – The Asset's Triple A Digital Awards
• Best Fintech for Plug & Play Tech Center
• Best FinTech Platform for Supply Chain Finance – The Asian Banker
• Finalist at Global FinTech Hackcelerator and featured at Singapore Fintech Festival