Junior Credit Operations & Compliance Analyst

Wilayah Credit Sdn Bhd; Kuala Lumpur; On-site; MYR 28,000 - 42,000; Full time

Job summary

Wilayah Credit Sdn Bhd in Kuala Lumpur invites applicants for an entry-level role in financing operations. The position focuses on initial assessment, income verification, and compliance across civil servant financing, hire purchase, and credit lines.

You will help with documentation, processing, and audits while developing professional communication and coordination skills. Fresh graduates with a Bachelor’s Degree or Diploma in Finance or related fields are encouraged to apply.

Qualifications

• Bachelor’s Degree or Diploma in Finance, Banking, Accounting, Business, Economics, or related fields.
• Fresh graduates are welcome to apply.
• Willingness to learn in a structured rotation across units.

Responsibilities

• 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.
• 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.
• 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.
• 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.
• 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.
• To perform other ad-hoc project and task assigned by superior from time to time.

Education

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

Job description

Wilayah Credit Sdn Bhd in Kuala Lumpur invites applicants for an entry-level role in financing operations. The position focuses on initial assessment, income verification, and compliance across civil servant financing, hire purchase, and credit lines.

You will help with documentation, processing, and audits while developing professional communication and coordination skills. Fresh graduates with a Bachelor’s Degree or Diploma in Finance or related fields are encouraged to apply.