The Senior Executive, Trade Credit Risk & Operations is responsible for supporting daily credit assessment and credit operations activities, including customer onboarding, credit limit reviews, and portfolio monitoring. The role ensures credit decisions are made in a timely and accurate manner while maintaining sound credit risk control and supporting business growth.
### Responsibilities
Perform credit assessments for new customer onboarding, including basic KYC checks, financial review, and legitimacy verification.
Review and approve credit limits within delegated authority and escalate higher-risk cases when necessary.
Monitor customer credit utilisation, overdue balances, and overall portfolio exposure.
Conduct periodic credit reviews and support credit limit adjustments
Maintain accurate credit documentation and records.
Identify early warning signs of credit risk such as delays in payment or deteriorating behaviour.
Ensure adherence to internal credit policies and procedures.
Support improvements to credit processes and basic automation initiatives.
Work closely with Sales and other stakeholders to provide clear explanations for credit decisions
### Requirements
2–5 years of experience in credit risk, credit analysis, loan underwriting, credit operations, or trade credit-related roles
Bachelor’s degree in Finance, Accounting, Economics, Business, Banking, or related field
Basic understanding of financial statement analysis and credit risk principles
Strong analytical and critical thinking skills
Good attention to detail
Proficiency in Excel or Google Sheets (AppScript is an advantage)
Ability to work in a fast-paced environment and meet deadlines
English and Malay
Strong judgment and decision-making ability
Good communication and stakeholder management skills
Ability to balance risk control with business needs
Independent and team-oriented working style
