Senior Credit Analyst/ Senior Executive, Credit Management

Toyota Capital Malaysia Sdn. Bhd.; Johor Bahru; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial services provider in Johor Bahru is seeking a Senior Executive in Credit Management to evaluate credit applications and ensure sound financing decisions. The role requires a degree in Finance or related fields and 3-5 years of experience in credit evaluation. The successful candidate will lead a small team and communicate effectively in English and Bahasa Malaysia. The company offers competitive salary, health coverage, and career growth opportunities, fostering a positive work environment.

Benefits

Competitive Salary & Performance Bonus

Comprehensive Health Coverage

Dental & Optical Benefits

16% Employer EPF Contribution

Career Growth Opportunities

Positive Work Culture

Hybrid Working Arrangement

Engagement Activities

Refreshment & Snacks

Car & Housing loan interest subsidy

Qualifications

• Minimum of a degree holder in relevant fields.
• 3 to 5 years of experience in credit decision-making.
• Strong track record in credit assessment.

Responsibilities

• Process and approve hire purchase applications.
• Perform verification on customer's information.
• Assist with ad-hoc requests.

Skills

Credit assessment

Risk evaluation

Team leadership

Communication in English

Communication in Bahasa Malaysia

Education

Degree in Business / Commerce / Economics / Finance / Banking

Job description

Senior Executive, Credit Management – Hire Purchase

Location: Johor Bahru. This role plays a critical part in evaluating credit applications, assessing risk, and ensuring sound credit decisions for vehicle financing.

Responsibilities

• Process, evaluate and approve HP applications in accordance with guidelines and procedures.


• Perform verification on the customer’s personal and/or employment information.


• Attend to ad-hoc requests as and when required.

Job Requirements

• Minimum of a degree holder in Business / Commerce / Economics / Finance / Banking or equivalent qualification.


• 3 to 5 years of experience in credit decision with delegated authority to approve, preferably within a banking or financial services environment.


• Strong track record in credit assessment and evaluation.


• Ability to lead a small team of junior credit officers.


• Possess CCR certificate – additional advantage.


• Mature candidate who can work independently, works well under pressure and consistently delivers results.


• Good communication in English and Bahasa Malaysia, both written and spoken.

Why Join Us?

• Competitive Salary & Performance Bonus – We value your contributions and reward results.


• Comprehensive Health Coverage – Includes GP outpatient, hospitalization, and insurance benefits.


• Dental & Optical Benefits – Stay healthy and confident — we've got you covered.


• 16% Employer EPF Contribution – Above the statutory rate — we invest in your future.


• Career Growth Opportunities – Take your career to the next level with us through continuous learning and internal mobility.


• Positive Work Culture – Be part of a supportive team with strong values and collaboration.

📩 Ready to accelerate your career? Apply now!

Company Overview

Toyota Capital Malaysia Sdn. Bhd., a subsidiary of Toyota Financial Services Corporation (TFSC), specializes in vehicle finance for Toyota Motor Corporation (TMC) in over 40 countries with assets of US$251 billion as of 2022. TFSC, founded in 2000, prioritizes comprehensive financial services with a focus on customer satisfaction and ethical standards. The commitment extends to supporting Toyota distributors, dealers, and customers worldwide, fostering strong win‑win relationships for “Customers for Life.” In 2020, TFSC launched KINTO, a global mobility brand offering vehicle subscription services in 34 countries.

Perks and benefits:

• Hybrid Working Arrangement


• Employer EPF contribution


• Medical, Hospitalization & Insurance Coverage


• Dental & Optical Benefit


• Conducive & Positive working environment


• Engagement Activities


• Refreshment & Snacks


• Car & Housing loan interest subsidy