Senior Credit Analyst/ Senior Executive, Credit Management

Toyota Capital Services; Penang; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial services provider is seeking a meticulous Senior Executive in Credit Management to join their Penang team. This role involves processing and approving hire purchase applications, assessing risk, and ensuring sound credit decisions for vehicle financing. Candidates should have a degree in a relevant field and 3-5 years of experience in credit decision-making, preferably in banking or financial services. Join us for competitive salary packages and comprehensive health coverage.

Benefits

Competitive Salary & Performance Bonus

Comprehensive Health Coverage

Dental & Optical Benefits

16% Employer EPF Contribution

Career Growth Opportunities

Positive Work Culture

Qualifications

• Minimum of Degree holder in relevant fields.
• 3 to 5 years of experience in credit decision with delegated authority.
• Strong track record in credit assessment.

Responsibilities

• Process, evaluate and approve HP applications.
• Perform verification on customer’s personal and/or employment information.
• Attend to ad-hoc requests as required.

Skills

Credit assessment

Team leadership

Communication in English

Communication in Bahasa Malaysia

Education

Degree in Business, Commerce, Economics, Finance, or Banking

Job description

We are looking for a meticulous and experienced Senior Executive, Credit Management to join our team based in Penang, specializing in Hire Purchase financing. This role plays a critical part in evaluating credit applications, assessing risk, and ensuring sound credit decisions for vehicle financing.

Responsibilities

• To process, evaluate and approve HP applications in accordance to guidelines and procedures.
• Perform verification on customer’s personal and / or employment information.
• Attend to ad-hoc requests as and when required.

Requirements

• Minimum of 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.
• Have strong track record in credit assessment and evaluation.
• Ability to lead small team of junior credit officers.
• Possess CCR certificate is additional advantage.
• Preferable mature candidate who can work independently, work well under pressure and consistently delivering 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!