Senior Credit Officer (Auto Financing / Hire Purchase)

Jia Ming Auto Services Sdn. Bhd.; Kuala Lumpur; On-site; MYR 60,000 - 100,000; Full time

Benefits offered by this job

Annual leave 12 days

Public holidays 18 days

On-the-job training

Structured career development

Career progression

Performance incentives

Job summary

Jia Ming Auto Services Sdn. Bhd. is seeking a Senior Credit Officer to manage auto financing and hire purchase assessments in Malaysia.

You will review applications, verify income and documents, perform credit analysis, and determine credit risk in line with policy. You will also communicate findings to dealers and support timely decisions and workflow efficiency. The role requires a Diploma or Degree in a related field and 2–5 years' experience in credit analysis or auto financing, with strong

Qualifications

• Diploma or Degree in Finance, Banking, Accounting, Business Administration, Economics or related disciplines.
• 2-5 years of experience in Credit Analysis, Hire Purchase, Auto Financing, Banking, Leasing or Consumer Finance.
• Good understanding of credit assessment principles, financial analysis and repayment capacity.
• Familiar with CCRIS, CTOS, DSR and credit evaluation.
• Able to analyze financial information and identify credit risks.
• Attention to detail with strong analytical and problem-solving skills.
• Able to work in a fast-paced environment with high volume of applications.
• Proficiency in Microsoft Office, particularly Excel.
• Good command of English and Bahasa Malaysia; Mandarin/Cantonese is an added advantage.
• Added Advantage: experience in auto financing / hire purchase.
• Experience with credit approval matrix, delegated authority limits or credit policy implementation.
• Familiarity with automotive dealership, vehicle financing and dealer-related credit processes.

Responsibilities

• Review and assess Hire Purchase / Auto Financing applications based on customer profile, income, financial position, repayment capacity and creditworthiness.
• Review customer supporting documents including income documents, bank statements, CCRIS/CTOS reports and other relevant information.
• Conduct credit analysis and identify potential credit risks, discrepancies and areas requiring further clarification.
• Evaluate customer DSR, repayment capability and overall credit profile in accordance with company credit policies and guidelines.
• Recommend approval, rejection or further review based on credit assessment findings and supporting documentation.
• Perform verification and clarification with customers, dealers or relevant parties where necessary.
• Support the team in achieving credit processing turnaround time, accuracy and operational targets.
• Perform other credit-related duties and ad hoc assignments as required.

Skills

Credit analysis

Credit assessment

DSR analysis

Financial analysis

MS Excel

English

Bahasa Malaysia

Mandarin/Cantonese

Credit policies

Documentation review

Education

Diploma or Degree in Finance, Banking, Accounting, Business Administration, Economics or related disciplines

Job description

Senior Credit Officer (Auto Financing / Hire Purchase)

Jia Ming Auto Services Sdn. Bhd. is the Malaysia subsidiary of a leading China based automotive services group, established as part of the group's strategic expansion into Southeast Asia. Our business focuses on automotive financing, vehicle sales, and e-hailing services. In partnership with Chery (OE), we leverage our group's extensive automotive finance expertise, serving over 150,000 customers annually in China, to provide innovative and customer-focused automotive solutions in Malaysia.

What We Offer

Competitive basic salary + miscellaneous allowance + performance incentives

12 days Annual Leave + 18 Public Holidays per year

Comprehensive on the job training and structured career development

Friendly, supportive and performance driven work environment

Excellent career progression in a rapidly growing automotive finance company

Job Responsibilities

Review and assess Hire Purchase / Auto Financing applications based on customer profile, income, financial position, repayment capacity and creditworthiness.

Review customer supporting documents including income documents, bank statements, CCRIS/CTOS reports and other relevant information.

Conduct credit analysis and identify potential credit risks, discrepancies and areas requiring further clarification.

Evaluate customer DSR, repayment capability and overall credit profile in accordance with company credit policies and guidelines.

Recommend approval, rejection or further review based on credit assessment findings and supporting documentation.

Perform verification and clarification with customers, dealers or relevant parties where necessary.

Support the team in achieving credit processing turnaround time, accuracy and operational targets.

Perform other credit-related duties and ad hoc assignments as required.

Job Requirements

Must Have

Diploma or Degree in Finance, Banking, Accounting, Business Administration, Economics or related disciplines.

Preferably 2-5 years of experience in Credit Analysis, Credit Assessment, Hire Purchase, Auto Financing, Banking, Leasing or Consumer Finance.

Good understanding of credit assessment principles, financial analysis and repayment capacity.

Familiar with CCRIS, CTOS, DSR and credit evaluation is preferred.

Able to analyze financial information, identify credit risks and provide sound recommendations.

Strong attention to detail with good analytical and problem-solving skills.

Able to work in a fast-paced environment and handle a high volume of applications.

Proficiency in Microsoft Office, particularly Excel.

Good command of English and Bahasa Malaysia. Mandarin/Cantonese is an added advantage

Added Advantage

Experience in auto financing / hire purchase will be an added advantage.

Experience with credit approval matrix, delegated authority limits or credit policy implementation.

Familiarity with automotive dealership, vehicle financing and dealer-related credit processes.

Experience with credit workflow systems or digital credit assessment platforms.

Experience in improving credit processes or approval turnaround time.

Other Information

Industry: Automotive / Auto Financing

Candidates with relevant credit approval experience from banking, hire purchase or automotive financing are encouraged to apply.

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