Senior Credit Analyst/ Senior Executive, Credit Management

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

Job summary

A leading financial services company in Malaysia is seeking a meticulous Senior Executive, Credit Management. The role involves evaluating and approving hire purchase applications, assessing risks, and leading junior credit officers. The ideal candidate should have a degree in finance and 3-5 years of relevant experience, with strong communication skills in English and Bahasa Malaysia. Competitive salary and benefits are offered.

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 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.

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.

Skills

Credit assessment

Communication skills in English

Communication skills in Bahasa Malaysia

Team leadership

Education

Degree in Business / Commerce / Economics / Finance / Banking

Job description

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Open for 2026 Intake – Early applications are welcome!

We are looking for a meticulous and experienced Senior Executive, Credit Management to join our team, 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.

Job 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 grow your career? Apply now and join our team!

*Open to candidates planning to start in 2026 – don’t hesitate to apply early!

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.