Senior Credit Analyst/ Senior Executive, Credit Management

Toyota Capital Services; Selangor; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading financial services provider is seeking a Senior Executive in Credit Management specializing in Hire Purchase financing. This role is pivotal in evaluating credit applications and making sound credit decisions for vehicle financing. Candidates should possess a degree in Business or related fields, along with 3 to 5 years of relevant experience. The role offers a competitive salary, comprehensive health coverage, and significant career growth opportunities within a supportive work culture.

Benefits

Competitive Salary & Performance Bonus

Comprehensive Health Coverage

Dental & Optical Benefits

16% Employer EPF Contribution

Career Growth Opportunities

Positive Work Culture

Qualifications

• Minimum 3 to 5 years of experience in credit decision.
• Experience in a banking or financial services environment is preferred.
• Possess CCR certificate is an additional advantage.

Responsibilities

• Process, evaluate, and approve HP applications in accordance with guidelines.
• Verify customer's personal and employment information.
• Attend to ad-hoc requests as required.

Skills

Credit assessment

Communication in English

Communication in Bahasa Malaysia

Team leadership

Education

Degree in Business/Commerce/Economics/Finance/Banking

Job description

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!