Job Description

1. Pre-Approval Review. This role involved in screening loan applications flagged as high-risk before final approval:  

 • Verifying applicant identity: Ensures documents like IDs, income proof, and addresses are authentic.   

 Detecting document fraud: Checks for forged salary slips, fake bank statements, or inflated asset values.   

• Cross-checking applicant information: Confirms data with credit bureaus, internal databases, or third-party sources.   

2. Reviewing Dealers   

• Dealer Fraud Checks – Assesses the legitimacy of vehicle dealers or suppliers, especially in cases with repeated fraud patterns.   

3. Red Flag Detection   

• Application Pattern Reviews – Identifies risk indicators such as multiple loan applications at once, synthetic identities, or false employer information.

• Fraud Scoring & Watchlists – Uses fraud models and internal watchlists to flag potentially risky applications.   

4. Investigations and Hold Recommendations If fraud is suspected:   

• Application Holds or Rejections – Recommends putting an application on hold or rejecting it if fraud is evident.   

• Referral for further Investigation – Sends cases to internal or external teams for deeper assessment.   

• Coordination with Legal/Compliance – Works with legal or compliance teams when uncovering extensive fraud activity.   

5. Reporting and Documentation   

• Maintaining Audit Records – Keeps detailed records of flagged or rejected applications for audit and regulatory review.   

• Suspicious Activity Reports (SARs) – Files SARs if required under local AML or fraud reporting regulations.   

6. Post-Approval Review   

• Credit Review of Approved Cases – Evaluates the Credit Team’s approval decisions, ensuring compliance with Toyota Capital CAT guidelines.   

• Quality Assessment of Credit Processes – Reviews credit risk management, including deviations from product guidelines or policies and thoroughness in the approval process.   

• Post-Mortem Review of early delinquent / early Non-Performing Accounts – Determines root causes and provides recommendations for improvement. (First-defaulter account listing provided by Asset Management monthly.)   

7. Fraud Trend Analysis   

• Monitoring Alerts from Fraud Detection Systems – Identifies suspicious activities through fraud detection tools.   

• Investigating Fraud Patterns – Examines behavioral trends to detect emerging fraud strategies.   

• Providing Recommendations for Risk Management Enhancements – Suggests rule improvements based on trend analysis findings.   

8. Support in CCRIS reporting to BNM & rectification (ad hoc)   

9. Handling projects in expanding the scope of work for the department.

Job Requirements

• Degree holder in Business / Commerce / Economics / Finance / Banking or equivalent qualification.  

• Minimum 8- 12 years of experience in credit evaluation function • Possess CCE or CCR certificate   

• Have experience in fraud detection / investigation in discharging the duty in credit •

 Exposure to CCRIS and attending to BNM request (added advantage) • 

Strong leadership and people management skills. Experience in leading a team

Skills