Executive, Consumer Financing

OSK Group; Johor Bahru; On-site; MYR 100,000 - 150,000; Full time

Job summary

A financial institution in Johor Bahru is offering a trainee role focusing on credit processing and evaluation. The successful candidate will assist in assessing financing applications, support compliance with regulatory requirements, and gain exposure to risk management practices. Fresh graduates with relevant degrees or diplomas are encouraged to apply, making this an exciting opportunity for individuals looking to start their careers in the financial services sector.

Qualifications

• Bachelor’s Degree or Diploma in Finance, Banking, Accounting, Business, Economics, or related fields.
• Fresh Graduates are welcome to apply.

Responsibilities

• Assist in preliminary assessment of financing applications.
• Support verification of applicant income and repayment analysis.
• Participate in day-to-day processing of financing cases.
• Understand and apply regulatory and compliance requirements.
• Learn the fundamentals of credit risk and operational risk.

Skills

Credit assessment

Regulatory compliance

Data entry

Communication

Education

Bachelor’s Degree or Diploma in Finance/Banking/Accounting/Business/Economics

Job description

This role provides comprehensive exposure to credit processing, operational governance, regulatory compliance, and risk management related to consumer financing products. The trainee will gain practical experience and foundational skills essential for future roles in credit operations, underwriting, or financial service management.

Credit Processing & Evaluation

• Assist in preliminary assessment of financing applications for products such as Civil Servant personal financing, hire purchase, and credit lines.
• Support verification of applicant income, credit bureau checks, and repayment analysis in compliance with institutional guidelines.
• Ensure documentation completeness and accuracy before submission for approval.

Operational Support & Workflow Execution

• Participate in day‑to‑day processing of financing cases, ensuring timely updates, data entry, and transaction processing through internal systems.
• Assist in agreement generation, loan documentation handling, and filing for audit and regulatory reference.
• Help maintain service turnaround time in accordance with departmental KPIs.

Regulatory & Compliance Adherence

• Understand and apply requirements under Bank Negara Malaysia (BNM) or Consumer Credit Act (CCA) guidelines, internal policies, and relevant legislative frameworks.
• Ensure accurate record keeping, data integrity, and compliance with SOPs and audit requirements.
• Support quality control checks and proper documentation for regulatory readiness.
• Work closely with Business Development Teams, dealers, and other departments to provide updates and resolve operational matters.
• Develop professional communication and coordination skills while handling escalations under supervision.

Exposure to Risk Management & Governance

• Learn the fundamentals of credit risk, operational risk, and data governance within a financial institution.
• Support reporting activities and internal monitoring exercises as required.
• Participate in workflow enhancement initiatives aimed at operational efficiency, process simplification, and customer service improvement.
• Provide input for SOP updates, process mapping, and automation opportunities.

Training & Professional Development

• Undergo structured rotation across relevant units for holistic learning.
• Attend classroom and on‑the‑job training covering product knowledge, systems, compliance, and industry standards.
• Receive mentorship and performance coaching from supervisors.

Other Tasks

• To perform other ad‑hoc projects and tasks assigned by superior from time to time.

Eligibility

Bachelor’s Degree or Diploma in Finance, Banking, Accounting, Business, Economics, or related fields.

Fresh Graduate (Diploma/Degree) are welcome to apply.