Credit Risk Manager

SANY Group; Selangor; On-site; MYR 120,000 - 180,000; Full time

Job summary

SANY Group in Malaysia is seeking a highly skilled Credit Risk / Credit Analysis professional to support growth through sound credit evaluation and risk management.

You will review credit proposals, perform financial analysis, and collaborate with the Capital GM and stakeholders to balance growth with risk controls.

The role requires 5+ years in lending or risk management and a Bachelor's in finance or related field; strong communication and independence are essential.

Qualifications

• Bachelor’s degree in Accounting, Finance, Business Administration, Risk Management, or related field.
• Minimum 5 years of experience in commercial lending, credit underwriting, or risk management.
• Strong credit assessment and financial analysis skills.
• Experience in structuring financing proposals and collateral evaluation.
• Knowledge of governance, internal controls, and compliance frameworks.
• Excellent communication and presentation skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Self-motivated and able to work independently.

Responsibilities

• Review and assess credit applications, renewals, amendments, and financing proposals.
• Analyze financial and non-financial data, prepare credit papers, and present recommendations.
• Conduct dealer credit reviews and assess risk profiles.
• Recommend credit limits, financing structures, and documentation requirements.
• Monitor credit portfolio performance and identify early warning signals.
• Support development of credit policies, risk frameworks, and internal controls.
• Collaborate with internal teams, dealers, and stakeholders to balance growth and risk.
• Participate in portfolio reviews, stress testing, and scenario analysis.
• Assist with audits and policy implementation activities.

Skills

Credit assessment

Financial analysis

Risk management

Data interpretation

Communication skills

Stakeholder collaboration

Attention to detail

Multitasking

Education

Bachelor’s degree in Accounting, Finance, Business Administration, Risk Management, or related field

Job description

Jora Malaysia will close on 9th September 2026. Thank you for being with us, we are cheering you on as you continue your career journey.

We are seeking a highly skilled and experienced professional to join our team in a Credit Risk / Credit Analysis role, working closely with the Capital GM to support business growth through sound credit evaluation and risk management practices.

Key Responsibilities

• Review and assess credit applications, renewals, amendments, and financing proposals.
• Analyze financial and non-financial data, prepare credit papers, and present recommendations to approval authorities.
• Conduct dealer credit reviews, evaluating financial strength, operations, and risk profile.
• Recommend credit limits, financing structures, security packages, and documentation requirements.
• Monitor credit portfolio performance and identify early warning signals for risk mitigation.
• Perform periodic and ad-hoc reviews, including high-risk accounts and covenant monitoring.
• Support development of credit policies, risk frameworks, internal controls, and procedures.
• Identify and manage broader risks including operational, compliance, legal, and documentation risks.
• Maintain risk registers and key risk indicators, escalating issues when necessary.
• Collaborate with internal teams, dealers, and stakeholders to balance growth and risk control.
• Participate in portfolio reviews, stress testing, and scenario analysis.
• Support audits, compliance reviews, and policy implementation activities.
• Handle other duties and special projects as assigned by management.

Requirements

• Bachelor’s degree in Accounting, Finance, Business Administration, Risk Management, or related field.
• Minimum 5 years of experience in commercial lending, credit underwriting, financial analysis, or risk management.
• Strong expertise in credit assessment, financial analysis, and structuring complex financing proposals.
• Good understanding of collateral evaluation, credit risk mitigation, and documentation.
• Solid knowledge of risk management principles, governance, internal controls, and compliance frameworks.
• Strong analytical thinking with sound judgment and attention to detail.
• Excellent communication and presentation skills.
• Strong interpersonal skills with ability to work across teams and external stakeholders.
• Ability to manage multiple priorities in a fast-paced environment.
• Self-motivated, detail-oriented, and able to work independently.