Personal Loan Team Leader

Credence Axis Sdn Bhd; Kuala Lumpur; On-site; MYR 72,000 - 140,000; Full time

Benefits offered by this job

Training and development programmes

Healthy work-life balance

Job summary

Credence Axis Sdn Bhd seeks an experienced Personal Loan Team Leader to guide a sales team, drive growth of personal financing, and ensure high-quality service throughout the loan process.

You will mentor loan officers, oversee end-to-end processing, monitor performance against KPIs, and ensure strict compliance with policies and regulations while delivering timely decisions and improvements.

Qualifications

• 5+ years in banking/credit with 2+ years in team leadership
• Strong knowledge of loan underwriting, credit analysis and risk assessment
• Understanding of credit policies, banking regulations and compliance in Malaysia
• Excellent leadership and people management skills
• Proficiency in loan management systems and banking software platforms
• Strong analytical and problem-solving abilities with attention to detail
• Excellent communication skills at all levels
• Advanced Excel skills
• Finance/Banking qualification or equivalent experience
• Diploma in Credit Management or similar credential preferred

Responsibilities

• Lead, mentor and manage a team of loan officers and credit specialists
• Oversee end-to-end loan processing workflow including application review and disbursement
• Monitor team performance against KPIs and implement improvements
• Ensure compliance with lending policies, regulations and internal procedures
• Review and approve loan applications within delegated authority
• Conduct quality assurance checks on loan files
• Identify and mitigate credit risks and escalate complex cases
• Collaborate with Risk, Compliance and Collections
• Develop process improvements to reduce turnaround times
• Prepare reports on team performance and loan portfolio metrics

Skills

Leadership

Credit analysis

Regulatory compliance

Excel

Loan management systems

Education

Finance/Banking qualification

Diploma in Credit Management

Tools

Banking software

Job description

We are seeking an experienced and motivated Personal Loan Team Leader to lead our sales team and grow our personal financing portfolio. To lead and motivate a team of loan consultants, drive sales performance, develop new business opportunities, and ensure a high level of service to clients throughout the loan application process.

Key responsibilities

• Lead, mentor and manage a team of loan officers and credit specialists, fostering a culture of excellence and professional development
• Oversee the end-to-end loan processing workflow, including application review, credit assessment, documentation and disbursement
• Monitor team performance against key performance indicators and targets, implementing improvements where necessary
• Ensure strict compliance with lending policies, regulatory requirements and internal procedures across all loan transactions
• Review and approve loan applications within delegated authority limits, exercising sound credit judgement
• Conduct quality assurance checks on completed loan files to ensure accuracy and completeness
• Identify and mitigate credit risks, escalating complex cases to senior management as appropriate
• Collaborate with other departments including Risk, Compliance and Collections to maintain operational excellence
• Develop and implement process improvements to enhance efficiency and reduce turnaround times
• Prepare regular reports on team performance, loan portfolio metrics and operational challenges

What we're looking for

• Minimum 5 years of experience in the banking and credit sector, with at least 2 years in a team leadership or supervisory capacity
• Strong knowledge of loan underwriting, credit analysis and risk assessment methodologies
• Proven understanding of credit policies, banking regulations and compliance requirements in Malaysia
• Excellent leadership and people management skills with the ability to motivate and develop team members
• Proficiency in loan management systems and banking software platforms
• Strong analytical and problem-solving abilities with keen attention to detail
• Excellent communication skills, both written and verbal, with the ability to engage effectively at all organisational levels
• Advanced proficiency in Microsoft Office applications, particularly Excel
• A qualification in Finance, Banking or a related discipline, or equivalent professional experience
• Certification such as Diploma in Credit Management or similar professional credentials is preferred

What we offer

Credence Advisory is committed to supporting our employees' professional growth and wellbeing. We offer competitive remuneration packages commensurate with experience and qualifications. Our benefits include access to ongoing training and development programmes to enhance your skills and advance your career within the company. We foster a collaborative and inclusive workplace culture where your contributions are valued and recognised. A supportive work environment, and opportunities for career progression as the organisation continues to grow. We believe in maintaining a healthy work-life balance and provide a full-time role structure that allows you to manage your professional and personal commitments effectively.

About us

Credence Advisory is a dynamic financial services company operating in the Banking & Financial Services sector, with a specialisation in credit solutions. We are dedicated to providing innovative lending products and services that meet the diverse needs of our clients whilst maintaining the highest standards of professionalism and integrity. Our mission is to be a trusted partner in the financial services industry, delivering reliable credit solutions and exceptional customer service. We pride ourselves on our commitment to regulatory compliance, operational excellence and employee development. As we continue to expand our operations, we are building a team of talented professionals who share our values of integrity, customer focus and continuous improvement. Our workplace is characterised by collaboration, transparency and a genuine commitment to the success of our employees.

Unlock job insights

Hirer responsiveness Salary match Number of applicants

Your application will include the following questions:

• Which of the following statements best describes your right to work in Malaysia?
• What's your expected monthly basic salary?
• Which of the following types of qualifications do you have?
• How would you rate your English language skills?
• How would you rate your Bahasa Malaysia language skills?
• How many years' experience do you have as a Personal Loans Specialist?
• How many years' experience do you have as a team manager?