Senior Associate - Credit Risk

DHL Germany; Petaling Jaya; On-site; MYR 70,000 - 90,000; Full time

Job summary

A leading logistics company is seeking a Credit Risk Management professional in Petaling Jaya, Malaysia. The role involves monitoring credit processes, conducting credit checks, and collaborating with various teams to mitigate risks. Candidates should possess excellent communication skills, a bachelor's degree, and a minimum of 3 years of experience in credit risk management. This position offers a dynamic work environment focused on customer satisfaction.

Qualifications

• Minimum of 3 years' experience in Credit Risk Management preferred.
• Cultural sensitivity is essential.

Responsibilities

• Monitor Dunning completion and review Dunning block status.
• Perform ICCC Stop Credit Process for overdue accounts.
• Conduct Credit Checks and Approvals by reviewing customer documents.
• Approve Credit Checks for customers with complete documents.
• Incorporate External Credit Agency processes into procedures.
• Follow up on identified risks and gaps.
• Lead regular meetings and visit customers for satisfaction improvement.
• Coordinate risk mitigation measures across teams.
• Advise on process improvements related to credit risks.

Skills

Excellent telephone communication skills

Effective verbal and written communication skills

Strong customer focus and service orientation

Proficient in MS Office applications

Intermediate presentation skills

Ability to analyze financial statements

Sensitivity to cultural differences

Proficiency in local languages/multilingual skills

Intermediate English skills

Advanced knowledge of D&B credit risk reports

Education

Bachelor’s degree in a related field

Job description

Role Purpose

To ensure Dunning is successfully triggered and to monitor the ICCC stop credit process, aligning with Collection GSOP and Strategy. Analyze accounts in ICCC Stop Credit to reduce broken promises and prevent accounts from flowing incorrectly to the Stop Credit process. Ensure Credit Check and Approval processes are in place by reviewing External Credit Agency ratings; only successful applications will enable account creation following GSOP.

Job Responsibilities

• Monitor Dunning completion and review Dunning block status by obtaining CFO approval regularly, aligning with Crisp Control.
• Perform ICCC Stop Credit Process to ensure overdue accounts follow credit hold criteria and flow to Stop Credit execution as per GSOP.
• Conduct Credit Checks and Approvals by reviewing customer financial and legal documents to prevent account creation without proper support, and initiate further investigation by communicating with Country Finance and Commercial teams.
• Approve Credit Checks for customers with complete supporting documents, requiring approval from the Country OTC Manager or CFO when necessary.
• Understand External Credit Agency processes (which may vary by country) and incorporate these into Credit Check/Approval procedures.
• Follow up adequately on identified risks and gaps.
• Coordinate and lead regular meetings, visit customers, and work towards improving customer satisfaction while mitigating trading risks.
• Coordinate credit risk mitigation measures with Sales, Credit Decision Makers, credit collection, credit administration, operations, H&G, CFO, and OTC teams.
• Advise on and coordinate process improvements related to credit risk mitigation across the entire OTC chain.

Skills & Qualifications

• Excellent telephone communication skills
• Effective verbal and written communication skills
• Strong customer focus and service orientation
• Proficient in MS Office applications
• Intermediate presentation skills
• Ability to analyze financial statements
• Minimum of 3 years' experience in Credit Risk Management preferred
• Sensitivity to cultural differences
• Proficiency in local languages/multilingual skills in a Shared Service environment
• Bachelor’s degree in a related field
• Intermediate English skills (DHL Business Language) preferred
• Advanced knowledge of D&B credit risk reports and balance sheet interpretation