Data-Driven Credit Risk & Collections Analyst

HP; Kuala Lumpur; On-site; MYR 40,000 - 70,000; Full time

Job summary

HP in Malaysia is seeking a Finance Analyst to assess customers' financial condition using credit scores to set credit limits and risk ratings, while reviewing fraud-detection outputs and advising investigations.

The role involves managing credit chargebacks with card networks, negotiating initial payments with customers and sales teams, and conducting delinquency analyses to support timely collections. Strong data-analysis skills and attention to risk are essential.

Qualifications

• Degree in business, economics, finance, or related field or equivalent experience.
• 0–2 years of work experience in collection, credit, banking, or related field.
• Demonstrated competence in data analysis and risk assessment.

Responsibilities

• Analyzes customers' financial condition based on credit scores to determine credit limit and risk rating.
• Analyzes outputs from fraud detection systems and advises on potential investigations.
• Engages with credit card companies to manage credit chargebacks efficiently.
• Participates in negotiations on initial payments with customers and sales personnel, facilitating purchases beyond credit limits.
• Conducts analysis and research into delinquencies in customers' receivables accounts, determining appropriate communication methods for facilitating payments.
• Resolves disputes concerning customer payments on overdue accounts, negotiating and ensuring timely payments.
• Identifies non-payment trends and collaborates with internal partners to resolve issues.
• Applies foundational principles and contributes to projects through research and data analysis support.
• Supports priority projects with direction, maintaining relationships with internal stakeholders via standardized reports.

Skills

Credit Analysis

Credit Risk

Data Analysis

SQL

Underwriting

Risk Management

Financial Analysis

Finance

Auditing

Due Diligence

Education

Bachelor's degree in Finance

Bachelor's degree in Economics

Tools

SQL

Job description

HP in Malaysia is seeking a Finance Analyst to assess customers' financial condition using credit scores to set credit limits and risk ratings, while reviewing fraud-detection outputs and advising investigations.

The role involves managing credit chargebacks with card networks, negotiating initial payments with customers and sales teams, and conducting delinquency analyses to support timely collections. Strong data-analysis skills and attention to risk are essential.