Credit Risk Policy & Scorecard Architect

Ryt Bank; Kuala Lumpur; On-site; MYR 180,000 - 240,000; Full time

Job summary

Ryt Bank in Malaysia is seeking an experienced Credit Risk professional to design and own credit policies and rules for SME and corporate lending, and to build scorecards and risk rating frameworks. You will work with underwriting to ensure rigorous and well-documented assessments and will monitor portfolio health for leadership reporting.

This role emphasizes independent policy work, strong judgement, and readiness for discretionary lending.

Qualifications

• Bachelor's or Master's degree in Finance, Business, Economics, Accounting, or a related discipline. Quantitative backgrounds are equally welcome.
• Minimum 5 years of credit risk experience, with hands-on exposure to policy writing, SME/corporate credit assessment, or design of judgemental scorecards.
• Experience with SME or corporate credit products; familiarity with CCRIS/CTOS, BNM credit risk guidelines, and financial statement analysis is a clear advantage.
• Exposure to credit assessment template configuration or UAT is an advantage.
• Able to operate independently, managing multiple workstreams and delivering quality output without close supervision.

Responsibilities

• Design, document, and maintain credit rules, risk acceptance criteria, and underwriting standards for SME and corporate lending.
• Translate credit risk strategy into policy and decisioning logic; validate implementation through UAT prior to go-live.
• Collaborate with Product, Compliance, Operations, and Legal to reflect policy changes across systems and processes.
• Design and maintain expert judgement-based credit scorecards and internal risk rating frameworks for SME and corporate borrowers.
• Calibrate scoring factors using financial ratios, qualitative assessments, and benchmarks where available.
• Monitor scorecard performance and recommend recalibration as needed; support governance activities and validation prep.
• Work closely with underwriting to ensure policy and scorecards are clearly understood and consistently applied.
• Review credit applications and underwriting decisions; flag deviations from approved policy and provide guidance notes.
• Capture underwriter feedback and drive iterative policy improvements.
• Produce regular portfolio monitoring reports covering approval rates, utilization, delinquency, vintage performance, roll rates, and concentration risk.
• Elevate breaches with analysis and action plans; conduct periodic portfolio reviews to identify trends.
• Prepare materials for Credit Committee, RMC, and Board reporting; support regulatory submissions.

Skills

Credit policy design

Scorecard design

Financial analysis

BNM regulatory knowledge

Written communication

Education

Bachelor's or Master's degree in Finance/Business/Economics/Accounting

Tools

Excel

SQL

Python

Job description

Ryt Bank in Malaysia is seeking an experienced Credit Risk professional to design and own credit policies and rules for SME and corporate lending, and to build scorecards and risk rating frameworks. You will work with underwriting to ensure rigorous and well-documented assessments and will monitor portfolio health for leadership reporting.

This role emphasizes independent policy work, strong judgement, and readiness for discretionary lending.