Unit Head, Credit Assessment

CelcomDigi; Petaling Jaya; On-site; MYR 180,000 - 320,000; Full time

Job summary

CelcomDigi in Malaysia is seeking Head of Unit – Credit Assessment to lead the credit assessment function and support sustainable growth while maintaining a strong risk framework.

The role drives governance, analysis, decision‑making, portfolio monitoring and reporting across segments, with emphasis on digitalisation, automation, and process optimisation.

Qualifications

• Bachelor’s degree in Finance, Accounting, or a related discipline from a recognised university.
• Minimum 8–12 years of relevant credit experience in financial institutions, credit agencies, or established credit risk functions, including at least 3 years in a managerial or leadership role.
• Telecommunications industry experience is an added advantage.
• Proven leadership in building, coaching and managing high‑performing teams.
• Experience with credit assessment systems, workflow automation, and data analytics tools is an advantage.

Responsibilities

• Lead credit assessment by establishing robust policies, governance, and prudent decision‑making.
• Implement controls and risk practices aligning with appetite and regulatory requirements.
• Drive digitisation, automation and process optimisation for efficiency and customer experience.
• Collaborate with Risk, Finance and business units to strengthen credit governance.
• Lead credit analysis, portfolio monitoring and reporting across Consumer, Enterprise, Emerging, Wholesale.
• Develop a high‑performing team with accountability and collaboration.
• Lead strategic initiatives to strengthen credit capabilities and governance.
• Oversee collections to optimise portfolio quality and recovery performance.
• Perform other duties as assigned by Management.

Skills

Credit risk management

Leadership

Strategic governance

Data analytics

Process improvement

Digitalisation

Stakeholder management

Regulatory knowledge

Credit assessment methodologies

Education

Bachelor’s degree in Finance, Accounting, or related discipline

Job description

Job Description

The Head of Unit – Credit Assessment is responsible for leading the organisation’s credit assessment function and, progressively, the Collection function, to support sustainable business growth while maintaining a strong credit risk management framework.

The role provides strategic leadership in strengthening credit governance, credit analysis and decision-making, portfolio monitoring and management reporting across all business segments, while driving continuous improvement through digitalisation, automation, and process optimisation.

Working closely with Risk Management, Finance, Business Units, and other key stakeholders, the role ensures that credit policies, processes, and controls are effectively implemented, consistently applied, and aligned with the organisation’s risk appetite, regulatory requirements, and business objectives.

Responsibilities

Key Responsibilities

• Lead the Credit Assessment function by establishing robust credit policies, frameworks, and governance to support prudent credit decision‑making and sustainable business growth.
• Ensure effective implementation of credit assessment processes, controls, and risk management practices that align with the organisation’s risk appetite and regulatory requirements.
• Drive continuous improvement through digitalisation, automation, and process optimisation to enhance operational efficiency and customer experience.
• Partner with Risk Management, Finance, Business Units, and other stakeholders to strengthen credit governance and support business objectives.
• Lead credit analysis, portfolio monitoring and management reporting across all business segments, including Consumer, Enterprise, Emerging and Wholesale etc, to identify emerging risks and trends and recommend appropriate risk mitigation strategies.
• Provide leadership and develop a high‑performing team by fostering a culture of accountability, collaboration, and continuous learning.
• Lead strategic initiatives and change programmes to strengthen credit capabilities, governance, and operational effectiveness.
• Progressively oversee the Collection function, establishing an integrated end‑to‑end credit management framework to optimise portfolio quality and recovery performance.
• Perform any other duties and responsibilities as assigned by Management.

Requirements

• Bachelor’s degree in Finance, Accounting, or a related discipline from a recognised university.
• Minimum 8–12 years of relevant credit experience within financial institutions, credit agencies, or established credit risk functions, including at least 3 years in a managerial or leadership role.
• Telecommunications industry experience is an added advantage.
• Proven leadership experience in building, coaching, developing, and managing high‑performing teams.
• Proven track record in driving process improvement, digitalisation, and automation initiatives to enhance operational efficiency, strengthen governance and controls, and improve customer experience.
• Strong understanding of commercial credit assessment methodologies, financial statement analysis, and credit risk management principles.
• Good knowledge of regulatory requirements, governance, and internal control frameworks related to credit operations.
• Experience with credit assessment systems, workflow automation, and data analytics tools is an advantage.
• Excellent leadership, stakeholder management, communication, negotiation, and influencing skills.
• Strong analytical, problem‑solving, and decision‑making skills, with the ability to manage multiple priorities in a dynamic environment.

At CelcomDigi, we aspire to be Malaysia’s leading telco‑tech company — the nation’s digital growth engine — powering transformation through 5G, AI, and innovation that impacts over 20 million customers. Here, your role goes beyond work. It’s about enabling businesses to thrive, connecting communities, and advancing society, as we build a brand rooted in trust, reliability and customer excellence. Aligned with our employer value proposition, Grow with Purpose. Build with Trust, you’ll have the opportunity to innovate responsibly and create digital solutions that truly make a difference. If you're driven, future focused, and ready to be part of something bigger, we want you on our team.

Let’s advance and inspire Malaysia together! #WeAreCelcomDigi

Follow CelcomDigi on LinkedIn and vote for us as Malaysia’s Most Preferred Employer at the GRADUAN Brand Awards.

CelcomDigi is an equal opportunity employer, and committed to promote employment practices that are transparent, objective and fair.