Senior Executive, Credit Analyst/ Evaluation (SME/ Personal Financing)

DIRECT LENDING SDN. BHD.; Kuala Lumpur; Hybrid; MYR 100,000 - 150,000; Full time

Job summary

A leading digital lending platform in Kuala Lumpur seeks a Senior Executive, Credit Analyst to perform credit assessments and engage with customers to enhance business growth. Ideal candidates should have a minimum of 2 years' experience in credit assessment and be driven to improve user experience. This role offers competitive compensation, a hybrid work arrangement, and opportunities for career advancement in a fast-paced, innovative environment.

Benefits

Competitive compensation

Medical benefits

Casual dress code

Free snacks/coffee/tea

Qualifications

• Minimum 2 years experience in credit assessment for personal financing.
• Business-minded with good analytical skills.
• Good command of English and Bahasa Malaysia.

Responsibilities

• Perform credit assessments on various financing applications.
• Engage with customers for follow-ups and clarifications.
• Collaborate with teams to optimize user experience.

Skills

Analytical skills

Communication skills

Organizational skills

Team player

Job description

Senior Executive, Credit Analyst/ Evaluation (SME/ Personal Financing)

High growth and career advancement opportunities with flat & open office culture. Be part of the award-winning team in delivering innovative, fully digital Shariah-compliant auto service and vehicle takaful financing that has helped 35,000 car owners, working with over 2,000 merchant networks with 8,000 5-star Google Business Review

Gain first‑hand experience in a fully digital financing environment, powered by machine learning

Mission‑driven job satisfaction. Helping customers obtain convenience and yet affordable financing to address their emergency needs and to grow their businesses

Competitive compensation and bonus. EPF, SOCSO, annual leave, medical benefits included

Casual dress code with hybrid work arrangement. Modern/cool office, pantry available with free snacks/coffee/tea, office next to MRT (TTDI station)

The opportunity

Direct Lending is on the lookout for a Senior Executive, Credit Analyst/Evaluation (SME/personal financing) to join our expanding credit team. You’ll manage credit risk for our Syariah Compliant Digital Auto Service Financing, Vehicle Takaful, Micro Financing and SME Financing portfolio. You will work closely with cross‑functional teams, and help shape how credit is done in the digital space.

The work is fast‑paced, challenging but yet rewarding. We’re looking for someone who is business‑minded, driven, has a strong drive to make things happen, a team player with a passion for helping people and wants to keep improving yourself and grow your career.

We practice a reward and recognition culture, so you will be properly rewarded for your hard work. You will achieve a high level of job satisfaction amid the company’s strong user and solution‑focused environment.

What will you be doing?

Perform credit assessments on auto service, vehicle takaful, cash financing and SME financing applications

Engage with customers for follow‑ups and clarifications

Continuous identify challenges and opportunities and suggest solutions to grow and improve the business

Collaborate with data science, product, and business teams to optimize user experience and portfolio credit health

Be part of a team that makes the final credit decision—real impact, real ownership

Require to work one (1) weekend per month with replacement leave given

Are you the one?

Minimum 2 years experience in credit assessment for personal financing, easy payment scheme, product financing or SME financing

Business‑minded with good analytical skills

Highly organised, attention to detail, persistent. Able to work well under pressure.

Team player with good communication skills

Good command of English and Bahasa Malaysia

If not you, who? If not now, when? Send us your CV with a cover letter to [e-mail] and tell us more about your career aspirations. We regret that only shortlisted candidates will be notified.

Unlock job insights

Salary match Number of applicants Skills match

Your application will include the following questions:

• What’s your expected monthly basic salary?
• How many years’ experience do you have as a Credit Analyst?
• Which of the following languages are you fluent in?

Direct Lending is an award‑winning digital lending platform with 8,000 5⭐reviews on Google. Our mission is to foster financial inclusion by enabling every hardworking adult to have access to affordable financing, enabling them to have a better quality of life.

We started as a loan marketplace, connecting borrowers with over 30 lenders, with over 300,000 loan eligibility processed.

With the vision to provide a seamless financing experience, we launched a Syariah‑compliant auto service financing in 2022 which enables car owners to pay for car repairs instantly & affordably. We now expand into SME financing and motor takaful financing, collaborating with over 2,000 merchants across Malaysia.

Direct Lending is an award‑winning digital lending platform with 8,000 5⭐reviews on Google. Our mission is to foster financial inclusion by enabling every hardworking adult to have access to affordable financing, enabling them to have a better quality of life.

We started as a loan marketplace, connecting borrowers with over 30 lenders, with over 300,000 loan eligibility processed.

With the vision to provide a seamless financing experience, we launched a Syariah‑compliant auto service financing in 2022 which enables car owners to pay for car repairs instantly & affordably. We now expand into SME financing and motor takaful financing, collaborating with over 2,000 merchants across Malaysia.

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