Credit Manager | Shah Alam/Subang

Job Title: Senior Credit Manager

Location: Kuala Lumpur, Malaysia

Role Overview

The Senior Credit Manager will lead the credit function for Malaysia, overseeing credit evaluation, portfolio risk management, and policy governance across hire purchase (auto & equipment), floor stock financing, and related lending products. The role involves managing a team, ensuring adherence to credit policies, and supporting business growth through sound risk assessment and timely decision-making.

Key Responsibilities

1. Credit Assessment & Approval

• Evaluate and approve credit applications for hire purchase (auto & equipment) and floor stock facilities within delegated authority limits
• Review financial statements, bank statements, CCRIS/CTOS reports, and other supporting documents
• Assess borrower and guarantor repayment capacity, leverage, and overall risk profile

2. Portfolio & Risk Management

• Monitor portfolio quality, including delinquency trends, concentration risk, and early warning signals
• Work closely with Collections to manage high-risk accounts, restructuring, and recovery strategies

3. Policy & Governance

• Implement and enforce credit policies, SOPs, and risk frameworks
• Recommend enhancements to credit policies (e.g. LTV thresholds, approval matrix, risk controls)
• Ensure compliance with internal audit requirements and regulatory standards

4. Team Leadership

• Lead, mentor, and develop the credit team, including Credit Executives and Managers
• Review and validate credit recommendations prepared by team members
• Ensure consistency, quality, and turnaround time of credit decisions

5. Stakeholder Management

• Work closely with Sales, Operations, and Credit Control teams to support business objectives while maintaining risk discipline
• Provide clear credit guidance to business units on structuring and deal viability
• Escalate exceptions and high-risk cases to senior management where required

6. Systems & Process Improvement

• Drive process improvements and automation initiatives (e.g. credit workflow systems, data analytics, straight through approval)
• Ensure proper documentation and audit trails in credit systems

Requirements

• Degree in Finance, Accounting, Business, or related discipline
• Minimum 8 to 10 years of relevant credit experience, preferably in auto and equipment financing
• Working knowledge and practical experience in KYC/AML requirements (e.g. CDD, name screening, ongoing monitoring)
• Proven track record in credit approval and team management
• Strong analytical skills with sound credit judgment
• Good understanding of regulatory and compliance requirements
• Strong communication and stakeholder management skills

Key Competencies

• Credit risk assessment & structuring
• Leadership and decision-making
• Risk awareness and governance
• Problem-solving and commercial judgment
• Attention to detail and accountability

APPLY NOW - Attach your resume today to secure your spot in our next interview cycle. Take the first step toward an exciting career with a fast expanding company in APAC!

ANTARES MANAGEMENT SERVICES PTE. LTD. (Singapore)
EA License No.: 25C3031 | UEN: 202527765K

https://antares.com.sg/

Disclaimer:

This job description is provided for informational purposes only and is subject to change based on the employers requirements.
Our agency is committed to promoting diversity and equal opportunity in the workplace. All applicants will be considered based on merit, qualifications, and fit for the role, without discrimination on the basis of race, gender, age, religion, disability, or any other protected characteristic.
ANTARES MANAGEMENT SERVICES PTE. LTD. is the exclusive recruitment partner for this role. All communication regarding applications should be directed through our agency.