Senior Credit Risk Analyst

AstraZeneca (Malaysia); Petaling Jaya; On-site; MYR 90,000 - 150,000; Full time

Job summary

AstraZeneca Malaysia is seeking a Senior Credit Risk Analyst to manage credit risk across a portfolio of customer accounts and support business decisions. You will work with Sales, Customer Service, Financial Controllers, Collections, and Order Release teams to minimize doubtful debt and optimize credit exposure.

Essential capabilities include analysing financial statements, preparing credit recommendations, monitoring risk indicators, and maintaining master data with SOX controls.

Qualifications

• Degree in Finance, Accounting, or an equivalent discipline.
• 3-4 years of experience in credit risk management, preferably within a business-to-business environment.
• Strong analytical, critical-thinking, problem-solving, and decision-making skills.
• Ability to analyse financial information and clearly communicate credit exposure, risk assessments, and complex credit matters to stakeholders at all levels.
• Strong organisational skills, with the ability to manage multiple priorities accurately and within agreed timelines.
• Self-motivated and proactive, with the ability to work independently and efficiently with limited supervision.
• Strong collaboration and stakeholder-management skills, with a customer-focused approach to developing effective relationships with internal and external customers.
• Ability to promote a positive and inclusive working environment.
• Proficiency in Microsoft Office tools, particularly Word, Excel, and PowerPoint.

Responsibilities

• Perform scheduled credit reviews for assigned customer accounts, including analysis of financial statements, financial ratios, credit reference agency reports, trade references, and other relevant information.
• Prepare credit recommendations and determine the level of credit risk involved in extending or maintaining credit, in line with AstraZeneca’s credit policy.
• Monitor customer account status, credit alerts, payment performance, and other indicators of potential risk, escalating significant concerns to the appropriate stakeholders.
• Maintain accurate and up-to-date customer credit master data, documentation, risk classifications, and credit records.
• Prepare and analyse monthly credit risk reports to ensure that accounts have appropriate risk categories, credit reviews are completed within the required schedule, and credit limits are sufficient for business needs.
• Review orders prior to manual release and escalating significant credit risks or policy exceptions as appropriate.
• Independently manage transaction-processing activities, including the resolution of complex customer account queries and investigations within agreed timelines and company guidelines.
• Review compliance with key controls documented under the Financial Control Framework and Sarbanes‑Oxley requirements.
• Review and approve credit proposals prepared by Credit Analysts.
• Work collaboratively with Customer Service, Sales Account Managers, Financial Controllers, Order Release, and Collections teams to ensure that relevant stakeholders understand customer credit risks and required actions.
• Participate in monthly credit, order release, and collections reviews with the relevant markets and stakeholders.
• Act as a pois advertised.int of escalation for credit risk, systems, processes, and project‑related queries, providing advice and support where required.
• Provide cover for the Team Lead during periods of absence and support ad hoc requests and improvement initiatives.
• Make adjustments, handle queries, and resolve credit‑related problems in accordance with company policies and procedures.
• Deliver accurate and timely work, reports, and key performance indicators in line with agreed service levels and credit targets.

Skills

Analytical thinking

Stakeholder management

Communication

Independence

Education

Finance/Accounting degree

Tools

SAP

Power BI

Celonis

Python

Job description

AstraZeneca is a global, innovation-driven biopharmaceutical company focused on the discovery, development, and commercialization of prescription medicines for some of the world’s most serious diseases. We foster a collaborative and inclusive culture where employees are empowered to contribute ideas, bring diverse perspectives, and make an impact.

Global Finance Services (GFS) is a key part of AstraZeneca’s Finance function, responsible for delivering high-quality, efficient, and easy-to-operate transactional finance processes. GFS supports core finance processes across record to report, purchase to pay, order to cash, and data management, while also supporting AstraZeneca’s cash focus through effective management of supplier and customer payment terms and practices.

GFS operates globally through a combination of in-house teams and outsourced business process support. As part of AstraZeneca’s ongoing Finance Transformation journey, GFS continues to evolve its global process-focused operating model to improve efficiency, effectiveness, and service delivery.

The Senior Credit Risk Analyst is responsible for managing credit risk across an assigned portfolio of customer accounts. The role ensures the consistent application of AstraZeneca’s credit policy, conducts periodic credit reviews, assesses the creditworthiness of new and existing customers, and supports the business in making informed credit decisions. The role works closely with Sales, Customer Service, Financial Controllers, Collections, and Order Release teams to minimize doubtful debt, manage credit exposure, resolve customer account queries, and support sustainable business growth.

Typical Accountabilities

• Perform scheduled credit reviews for assigned customer accounts, including analysis of financial statements, financial ratios, credit reference agency reports, trade references, and other relevant information.
• Prepare credit recommendations and determine the level of credit risk involved in extending or maintaining credit, in line with AstraZeneca’s credit policy.
• Monitor customer account status, credit alerts, payment performance, and other indicators of potential risk, escalating significant concerns to the appropriate stakeholders.
• Maintain accurate and up-to-date customer credit master data, documentation, risk classifications, and credit records.
• Prepare and analyse monthly credit risk reports to ensure that accounts have appropriate risk categories, credit reviews are completed within the required schedule, and credit limits are sufficient for business needs.
• Review orders prior to manual release and escalating significant credit risks or policy exceptions as appropriate.
• Independently manage transaction-processing activities, including the resolution of complex customer account queries and investigations within agreed timelines and company guidelines.
• Review compliance with key controls documented under the Financial Control Framework and Sarbanes‑Oxley requirements.
• Review and approve credit proposals prepared by Credit Analysts.
• Work collaboratively with Customer Service, Sales Account Managers, Financial Controllers, Order Release, and Collections teams to ensure that relevant stakeholders understand customer credit risks and required actions.
• Participate in monthly credit, order release, and collections reviews with the relevant markets and stakeholders.
• Act as a pois advertised.int of escalation for credit risk, systems, processes, and project‑related queries, providing advice and support where required.
• Provide cover for the Team Lead during periods of absence and support ad hoc requests and improvement initiatives.
• Make adjustments, handle queries, and resolve credit‑related problems in accordance with company policies and procedures.
• Deliver accurate and timely work, reports, and key performance indicators in line with agreed service levels and credit targets.

Education, Qualifications, Skills and Experience

• Degree in Finance, Accounting, or an equivalent discipline.
• 3-4 years of experience in credit risk management, preferably within a business-to-business environment.
• Strong analytical, critical‑thinking, problem‑solving, and decision‑making skills.
• Ability to analyse financial information and clearly communicate credit exposure, risk assessments, and complex credit matters to stakeholders at all levels.
• Strong organisational skills, with the ability to manage multiple priorities accurately and within agreed timelines.
• Self‑motivated and proactive, with the ability to work independently and efficiently with limited supervision.
• Strong collaboration and stakeholder‑management skills, with a customer‑focused approach to developing effective relationships with internal and external customers.
• Ability to promote a positive and inclusive working environment.
• Proficiency in Microsoft Office tools, particularly Word, Excel, and PowerPoint.
• Experience working in a shared services environment within a large, global organisation.
• Knowledge and experience of SAP, Power BI, Celonis, and Python.
• Awareness of the application of artificial intelligence in finance and credit risk processes.

At AstraZeneca we’re dedicated to being a Great Place to Work. Where you are empowered to push the boundaries of science and unleash your entrepreneurial spirit. There’s no better place to make a difference to medicine, patients and society. An inclusive culture that champions diversity and collaboration, and always committed to lifelong learning, growth and development. We’re on an exciting journey to pioneer the future of healthcare.

AstraZeneca is an equal opportunity employer. AstraZeneca will consider all qualified applicants for employment without discrimination on grounds of disability, sex or sexual orientation, pregnancy or maternity leave status, race or national or ethnic origin, age, religion or belief, gender identity or re‑assignment, marital or civil partnership status, protected veteran status (if applicable) or any other characteristic protected by law. AstraZeneca only employs individuals with the right to work in the country/ies where the role is advertised.

Date Posted

01-Oct-2026

AstraZeneca is a global, innovation-driven biopharmaceutical company focused on the discovery, development, and commercialization of prescription medicines for some of the world’s most serious diseases. We foster a collaborative and inclusive culture where employees are empowered to contribute ideas, bring diverse perspectives, and make an impact.

Global Finance Services (GFS) is a key part of AstraZeneca’s Finance function, responsible for delivering high-quality, efficient, and easy-to-operate transactional finance processes. GFS supports core finance processes across record to report, purchase to pay, order to cash, and data management, while also supporting AstraZeneca’s cash focus through effective management of supplier and customer payment terms and practices.

GFS operates globally through a combination of in-house teams and outsourced business process support. As part of AstraZeneca’s ongoing Finance Transformation journey, GFS continues to evolve its global process-focused operating model to improve efficiency, effectiveness, and service delivery.

The Senior Credit Risk Analyst is responsible for managing credit risk across an assigned portfolio of customer accounts. The role ensures the consistent application of AstraZeneca’s credit policy, conducts periodic credit reviews, assesses the creditworthiness of new and existing customers, and supports the business in making informed credit decisions. The role works closely with Sales, Customer Service, Financial Controllers, Collections, and Order Release teams to minimize doubtful debt, manage credit exposure, resolve customer account queries, and support sustainable business growth.

Typical Accountabilities

• Perform scheduled credit reviews for assigned customer accounts, including analysis of financial statements, financial ratios, credit reference agency reports, trade references, and other relevant information.
• Prepare credit recommendations and determine the level of credit risk involved in extending or maintaining credit, in line with AstraZeneca’s credit policy.
• Monitor customer account status, credit alerts, payment performance, and other indicators of potential risk, escalating significant concerns to the appropriate stakeholders.
• Maintain accurate and up-to-date customer credit master data, documentation, risk classifications, and credit records.
• Prepare and analyse monthly credit risk reports to ensure that accounts have appropriate risk categories, credit reviews are completed within the required schedule, and credit limits are sufficient for business needs.
• Review orders prior to manual release and escalating significant credit risks or policy exceptions as appropriate.
• Independently manage transaction-processing activities, including the resolution of complex customer account queries and investigations within agreed timelines and company guidelines.
• Review compliance with key controls documented under the Financial Control Framework and Sarbanes‑Oxley requirements.
• Review and approve credit proposals prepared by Credit Analysts.
• Work collaboratively with Customer Service, Sales Account Managers, Financial Controllers, Order Release, and Collections teams to ensure that relevant stakeholders understand customer credit risks and required actions.
• Participate in monthly credit, order release, and collections reviews with the relevant markets and stakeholders.
• Act as a pois advertised.int of escalation for credit risk, systems, processes, and project‑related queries, providing advice and support where required.
• Provide cover for the Team Lead during periods of absence and support ad hoc requests and improvement initiatives.
• Make adjustments, handle queries, and resolve credit‑related problems in accordance with company policies and procedures.
• Deliver accurate and timely work, reports, and key performance indicators in line with agreed service levels and credit targets.

Education, Qualifications, Skills and Experience

Essential

• Degree in Finance, Accounting, or an equivalent discipline.
• 3-4 years of experience in credit risk management, preferably within a business-to-business environment.
• Strong analytical, critical‑thinking, problem‑solving, and decision‑making skills.
• Ability to analyse financial information and clearly communicate credit exposure, risk assessments, and complex credit matters to stakeholders at all levels.
• Strong organisational skills, with the ability to manage multiple priorities accurately and within agreed timelines.
• Self‑motivated and proactive, with the ability to work independently and efficiently with limited supervision.
• Strong collaboration and stakeholder‑management skills, with a customer‑focused approach to developing effective relationships with internal and external customers.
• Ability to promote a positive and inclusive working environment.
• Proficiency in Microsoft Office tools, particularly Word, Excel, and PowerPoint.

Desirable

• Experience working in a shared services environment within a large, global organisation.
• Knowledge and experience of SAP, Power BI, Celonis, and Python.
• Awareness of the application of artificial intelligence in finance and credit risk processes.

At AstraZeneca we’re dedicated to being a Great Place to Work. Where you are empowered to push the boundaries of science and unleash your entrepreneurial spirit. There’s no better place to make a difference to medicine, patients and society. An inclusive culture that champions diversity and collaboration, and always committed to lifelong learning, growth and development. We’re on an exciting journey to pioneer the future of healthcare.

AstraZeneca is an equal opportunity employer. AstraZeneca will consider all qualified applicants for employment without discrimination on grounds of disability, sex or sexual orientation, pregnancy or maternity leave status, race or national or ethnic origin, age, religion or belief, gender identity or re‑assignment, marital or civil partnership status, protected veteran status (if applicable) or any other characteristic protected by law. AstraZeneca only employs individuals with the right to work in the country/ies where the role is advertised.

Closing Date

30-Oct-2026

AstraZeneca embraces diversity and equality of opportunity. We are committed to building an inclusive and diverse team representing all backgrounds, with as wide a range of perspectives as possible, and harnessing industry‑leading skills. We believe that the more inclusive we are, the better our work will be. We welcome and consider applications to join our team from all qualified candidates, regardless of their characteristics. We comply with all applicable laws and regulations on non‑discrimination in employment (and recruitment), as well as work authorization and employment eligibility verification requirements.

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Pharmaceuticals, Biotechnology & Medical Devices 101-1,000 employees

AstraZeneca is a global, innovation-driven biopharmaceutical business that focuses on the discovery, development and commercialization of prescription medicines for some of the world's most serious diseases. But we're more than one of the world's leading pharmaceutical companies. At AstraZeneca, we're proud to have a unique workplace culture that inspires innovation and collaboration. Here, employees are empowered to express diverse perspectives - and are made to feel valued, energised and rewarded for their ideas and creativity.

Global Financial Operations (GFO) is the largest Finance team and is the at the heart of the Finance function – providing a far-reaching range of transactional finance activities for all entities, worldwide, enabling our customers to focus on AstraZeneca’s (AZ) priorities.

Our processes cover record to report, purchase to pay, travel and expenses, contract to cash and data management and we drive AZ’s cash focus through disciplined management of supplier and customer payment terms and practices. GFO provides P2P/T&E process helpdesk services to internal AZ and external end users, including training support to internal AZ users. Plans are in place to extend the scope and internal customer coverage during 2017.

GFO operates globally through a combination of in‑house and business process outsourcing (BPO). The BPO element has been provided in partnership with our service provider partner Genpact since 2008.

AZ Finance is embarking on an ambitious, broad ranging, multi‑year transformation programme, called Finance Transformation (FT). Through 2016/2017, FT plans for transactional process and technology improvements that will underpin the next wave of GFO transformation and a step change in service effectiveness and efficiency.

GFO continues to develop. In 2016 we adopted a global, process‑focused operating model organised between global process towers, stakeholder engagement, helpdesk, cash generation and master data management teams. GFO working as a strategic business partner, directly with teams and stakeholders, to deliver results that help us to achieve our bold ambition.

World‑class advice and insight

Robust data

Finance service desk - exceeds stakeholder expectations

Seamless service with simple, globally aligned processes

Change the way we think, invest time in our people and foster a culture of innovation.

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