Digital Journey Credit Officer, SME Banking - Sales Channel MY

1. Credit Processing & Assessment

• Process and evaluate online SME financing applications via digital platforms.
• Conduct pre-screening checks to verify applicant eligibility, business credibility, and financial health
• Assess creditworthiness based on internal guidelines and credit scoring models.
• Ensure all applications are processed with agreed turnaround time (TAT).

2. Documentation & Verification

• Review and validate customer submitted documents (financial statements, bank statements, etc.)
• Cross-check information against banking records, credit bureau reports, and fraud detection tools.
• Liaise with relevant teams to address missing or incorrect documentation
  
  3. Compliance & Risk Management
• Ensure all applications comply with internal policies, regulatory requirements, and risk parameters
• Identify potential fraudulent applications and escalate as necessary
• Maintain confidentiality and integrity of customer data

4. Stakeholder Coordination

• Collaborate with Relationship Managers (RMs), Virtual Relationship Managers (VRMs), Branch Managers (BMs), and Business Call Centre (BCC) for application follow-ups.
• Communicate with customers (if necessary) to seek clarifications on their applications
• Work closely with the Credit Risk team to facilitate approvals

Qualification & Experience

• Bachelor’s degree in Accounting, Banking, Economics, Business Management, Finance, Statistics, Computer Science, or a related field.
• Minimum 2 years of experience in credit processing, loan assessment, and banking operations
• Strong understanding of credit risk assessment, financial analysis, and SME financing products
• Familiarity with regulatory guidelines (BNM, AMLA, etc.) and credit policies
• Excellent attention to detail and ability to work in a fast-paced, high volume environment
• Experience in processing online financing applications
• Knowledge of SME lending products and digital banking trends
• Prior experience in a centralized credit processing unit is an advantage

Skills / Knowledge

• Strategic Product Management: Expertise in defining product visions, roadmaps, and managing lifecycles in both SDLC and Agile environments.
• Banking & Fintech Expertise: Deep understanding of banking products (e.g., deposits, loans) and fintech innovations (e.g., open banking, AI, P2P, B2B model).
• Data-Driven Decision Making: Strong analytical skills to define KPIs, measure success, and iterate on products.
• Customer-Centric Design: Ability to design personalized, user-friendly solutions based on customer insights.
• Stakeholder Management: Proven ability to lead cross-functional teams and manage relationships with vendors and partners.
• Detail-oriented & able to work under pressure to meet tight schedule.
• A well-established network of various merchants.
• Excellent leadership qualities, with the ability to work both as a team player and independently.

Certification

Any certification in Credit Professionals, Project Management, Agile or Scrum is an added advantage