Job Description

We are seeking a proactive and analytical Credit Analyst with a strong background in auto finance, financial analysis, and KYC compliance. The successful candidate will play a key role in assessing credit risks, performing due diligence, and supporting auto finance portfolios across both the Singapore and Malaysia markets. This role requires close collaboration with local business teams to ensure credit practices align with regulatory standards and market trends.

Key Responsibilities:

• Review and assess hire purchase loan and floor stock applications by analyzing applicant’s financial statements (P&L, balance sheet, cash flow), credit reports, income documents, and other supporting data
• Recommend applications based on established credit policies, authority limits, and risk parameters
• Evaluate the potential risks associated with lending, considering factors such as customer profile, loan amount, repayment capability, and historical data
• Maintain accurate records of credit assessments, decisions, and justifications in the credit evaluation system
• Work closely with Sales and Operations departments to facilitate loan processing and resolve queries or discrepancies
• Conduct Know Your Customer (KYC) reviews for individual and corporate applicants, ensuring complete and accurate documentation.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) where applicable, in line with internal policies and regulatory requirements.
• Work closely with compliance team to identify and report any suspicious activities or red flags.
• Maintain accurate records and ensure timely refresh of KYC documentation.
• Any other duties assigned on ad-hoc basis

Job Requirements

Qualifications & Skills:

• Degree in Finance, Accounting, Business, or a related field
• Minimum 2 years of experience in credit risk assessment, preferably in hire purchase lending and floor stock (Fresh Graduate are welcome)
• Strong knowledge of credit analysis, credit scoring, and risk management practices
• Experience in KYC compliance is preferred
• Excellent analytical, decision-making, and problem-solving skills
• High attention to detail and ability to work under pressure
• Proficiency in MS Office

Skills