Executive, Consumer Financing

OSK Group; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading financial services group in Kuala Lumpur is seeking a trainee to gain practical exposure in credit processing and risk management. The role involves supporting the assessment of consumer financing applications, ensuring compliance with regulatory requirements, and participating in training across various units. Ideal candidates should have a relevant degree or diploma and be fresh graduates eager to learn. Join us to embark on a rewarding career in financial operations.

Qualifications

• Bachelor’s Degree or Diploma in relevant fields.
• Fresh graduates are welcome to apply.
• Understanding of banking and finance principles.

Responsibilities

• Assist in the assessment of financing applications.
• Participate in day-to-day processing of financing cases.
• Understand requirements under regulatory guidelines.
• Support reporting activities and internal monitoring.
• Undergo structured rotation for holistic learning.

Skills

Credit analysis

Data entry

Regulatory compliance

Professional communication

Risk management fundamentals

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.