Executive, Risk Analyst, Policy Review & Assessment (1-Year Contract)

Credit Guarantee Corporation Malaysia Berhad; Selangor; On-site; MYR 200,000 - 250,000; Full time

Job summary

A leading financial institution seeks a Risk Analyst to support the management of credit risk frameworks and policies. The successful candidate will engage with various stakeholders to ensure accurate reporting and analysis. This role is ideal for those with a strong analytical background and relevant educational qualifications, aiming to contribute to the improvement of credit risk strategies.

Qualifications

• Bachelor's or Master's in Statistics, Mathematics, Economics, Finance, or related fields.
• Professional Certification in Credit Risk preferred.
• Familiarity with analytical tools.

Responsibilities

• Assist in maintaining and reviewing credit frameworks and policies.
• Conduct credit risk analytics to support ICR planning.
• Perform independent validation on write-off accounts.

Skills

Analytical thinking

Problem-solving skills

Communication

Interpersonal skills

Education

Bachelor's Degree

Master’s Degree

Professional Degree

Job description

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To obtain the support of other departments within the Corporation on the need to manage risk and to ensure relevant and accurate reports are prepared within the stipulated timeline for Board and Management level Committee reporting.

Job Responsibility

To assist the Senior Risk Analyst to:

To assist in maintaining and reviewing Credit Framework and policies that are aligned with credit risk strategy and business direction of the Corporation from time to time.

To assist in performing the ICR and PMR functions in accordance with the methodology set out in the respective manuals as well as to carry out the review professionally and objectively, in a timely manner.

To engage with other teams / stakeholders (i.e., Portfolio Risk Analytics, Strategic Data Analytics, etc.) to conduct credit risk analytics to support the ICR planning as well as the focus area of ICR.

To have active engagements as well as interview stakeholders during review to ensure accuracy of observations and to seek feedback from stakeholders on the observations / recommendations prior to tabling to Committee.

To ensure timely and accurate tracking of all outstanding issues from ICR and PMR until resolution.

To perform independent validation and semi-annual review on proposed write-off accounts submitted by SRD.

Assume responsibility of other relevant tasks/ ad hoc projects as assigned from time to time.

Job Requirement

Qualification: Candidate must possess at least a Bachelor's Degree, Master’s Degree, and/ or Professional Degree, in Statistics, Mathematics, Actuarial Science, Economics, Business Administration, Finance, Banking, or Accountancy. Other relevant qualifications such as Professional Certification, PCC (Professional Credit Certification), or qualifications related to market/credit risk assessment and/or credit evaluation/processing experience.

Knowledge: Familiarity with employing the relevant analytical tools.

Skills/Competencies: Analytical thinking and problem-solving skills, excellent communication, writing, and interpersonal skills.

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Credit Guarantee Corporation Malaysia Berhad (CGC) was established on 5 July 1972. CGC aims to assist Micro, Small and Medium-Sized Enterprises (MSMEs) with inadequate or without collateral and track record to obtain credit facilities from financial institutions by providing guarantee cover on such facilities.

Over the last 50 years, CGC has continuously evolved in meeting MSMEs' financing needs. It has progressed from being a traditional guarantee provider to a financially sustainable institution, providing guarantee and financing products for MSMEs. Enabling small businesses to ceaselessly reinvent their models in meeting current transformation prerequisites.

CGC is 78.6% owned by Bank Negara Malaysia (BNM), with the remainder held by various Financial Institutions (Fis) and Development Financial Institutions (DFls). Our stakeholders propel our agenda for financial inclusion and are directly involved in what we do.

With various progressive initiatives implemented, MSMEs enjoy expansive and accelerated access to financing. Strategic innovative alliances between CGC and leading Fis and DFls have sanctioned comprehensive financing through our various Portfolio Guarantee (PG) schemes. In addition, our Wholesale Guarantee schemes provide guarantee coverage to Fis' financing facilities. We also offer financing products for contract financing to ensure that MSMEs constantly remain dynamic and enterprising.

As of 31 December 2022, CGC had provided MSMEs with over 522,000 guarantees and financing valued at over RM90.3 billion, impacting nearly 370,000 MSMEs.

CGC embarked on its digitalisation pathway in 2018, launching imSME, our pioneer fintech venture. This customised online platform matches MSMEs with suitable financing facilities from Fis, DFls, P2P players and Crowdfunding. As Malaysia's first online MSME financing/loan referral platform, imSME is a one-stop centre for MSMEs to select the most advantageous facility available in the market, tailored for their financing needs.

Credit Guarantee Corporation Malaysia Berhad (CGC) was established on 5 July 1972. CGC aims to assist Micro, Small and Medium-Sized Enterprises (MSMEs) with inadequate or without collateral and track record to obtain credit facilities from financial institutions by providing guarantee cover on such facilities.

Over the last 50 years, CGC has continuously evolved in meeting MSMEs' financing needs. It has progressed from being a traditional guarantee provider to a financially sustainable institution, providing guarantee and financing products for MSMEs. Enabling small businesses to ceaselessly reinvent their models in meeting current transformation prerequisites.

CGC is 78.6% owned by Bank Negara Malaysia (BNM), with the remainder held by various Financial Institutions (Fis) and Development Financial Institutions (DFls). Our stakeholders propel our agenda for financial inclusion and are directly involved in what we do.

With various progressive initiatives implemented, MSMEs enjoy expansive and accelerated access to financing. Strategic innovative alliances between CGC and leading Fis and DFls have sanctioned comprehensive financing through our various Portfolio Guarantee (PG) schemes. In addition, our Wholesale Guarantee schemes provide guarantee coverage to Fis' financing facilities. We also offer financing products for contract financing to ensure that MSMEs constantly remain dynamic and enterprising.

As of 31 December 2022, CGC had provided MSMEs with over 522,000 guarantees and financing valued at over RM90.3 billion, impacting nearly 370,000 MSMEs.

CGC embarked on its digitalisation pathway in 2018, launching imSME, our pioneer fintech venture. This customised online platform matches MSMEs with suitable financing facilities from Fis, DFls, P2P players and Crowdfunding. As Malaysia's first online MSME financing/loan referral platform, imSME is a one-stop centre for MSMEs to select the most advantageous facility available in the market, tailored for their financing needs.