Senior Executive, Trade Credit Risk & Operations

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