Sr. Financial Accountant - Credit Risk Management

ACCA Careers; Bayan Lepas; On-site; MYR 50,000 - 70,000; Full time

Job summary

A financial services company located in Penang is seeking an experienced financial analyst. You will manage financial reporting and credit risk assessments while mentoring junior analysts. Candidates should possess a Bachelor’s degree in finance or accounting and have experience in the hi-tech industry with advanced MS Office skills. Knowledge of SAP and automation tools like PowerBI is advantageous. This role requires excellent analytical and communication skills.

Responsibilities

• Conduct detailed financial analysis of customer accounts.
• Recommend credit limits and payment terms based on financial health.
• Monitor overdue accounts and escalate if necessary.
• Prepare DSO and bad debt reports for Finance leadership.
• Support CECL assessments and recommend write‑offs.
• Engage with customers to negotiate payment plans.
• Provide input for cash flow forecasts.
• Assist in credit risk automation initiatives.
• Mentor junior credit analysts.
• Review credit portfolio transitions.

Skills

Analytical skills

Problem-solving skills

Communication skills

Attention to detail

Adaptability

Education

Bachelor’s degree in finance, accounting or equivalent

Tools

MS Office tools

SAP

PowerBI

Power Query

RPA

Job description

The Role

In this role, you will be responsible for various financial reporting and accounting processes.

The Person

You are a results‑oriented self‑starter with excellent communication skills. You possess attention to detail and well‑developed analytical and problem‑solving skills. You have the ability to adapt to changing priorities and are comfortable with ambiguity.

Key Responsibilities

• Conduct detailed financial analysis of customer accounts to support credit approval decisions.
• Recommend appropriate credit limits and payment terms based on financial health, payment history, and business risk.
• Monitor overdue accounts and initiate escalation procedures for high‑risk or non‑responsive customers.
• Prepare and present DSO (Days Sales Outstanding) and bad debt reports to Finance leadership.
• Support CECL (Current Expected Credit Loss) assessments and recommend reserves or write‑offs.
• Engage with customers to negotiate payment plans and resolve outstanding balances.
• Provide input for cash flow forecasts and credit exposure analysis.
• Assist in credit risk automation and system enhancement initiatives.
• Mentor junior credit analysts, providing guidance on credit policies, systems, and best practices.
• Review and approve transitions of credit portfolios and support onboarding of new team members.

Preferred Experience

• Experience working in a similar role in the hi‑tech industry.
• Advanced knowledge of MS office tools.
• SAP experience preferred.
• Experience in automation skills such as PowerBI, Power Query, RPA etc will be added advantage and highly valued.

Academic Credentials

• Bachelor’s degree in finance, accounting or equivalent.

LOCATION

• Penang, Malaysia