Senior Credit Risk Executive (Trade Credit)

This role 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. 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 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