About Us:
CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us at www.capbay.com
About the Role:
In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay's mission to provide smart and inclusive financing to SMEs whilst maintaining investors trust in us.
Key Responsibility:
- Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
- Provide financial projections or sensitivity analysis for credit evaluation where necessary.
- Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
- Support development and enhancement of credit risk methodologies including Expected Credit Loss (ECL), Probability of Default (PD), portfolio segmentation, and credit scoring frameworks.
- Provide credit risk insights and modelling support for new financing products, partnerships, and portfolio expansion initiatives.
Key Qualifications and Requirements:
We are looking for someone with:
- Minimum 5 years of experience in Retail Business / SME / Commercial credit analysis OR SME/Biz banking sales-relationship management experience.
- Minimum a recognised Bachelor's degree in Finance/Accounting, Business Administration or related field.
- Knowledge of ECL methodologies and credit modelling techniques, with exposure to PD, LGD, scorecards, and data-driven credit assessment in a banking or fintech environment.
- Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage.
- Strong analytical skills with good grasp of financial analysis and cash flow projections.
Our Achievements
- Top 200 Global Fintech Companies CNBC
- EY Emerging Entrepreneur Of The Year
- Fintech Start-up of the Year Malaysia The Asset's Triple A Digital Awards
- Best Fintech for Plug & Play Tech Center
- Best FinTech Platform for Supply Chain Finance The Asian Banker
- Finalist at Global FinTech Hackcelerator and featured at Singapore Fintech Festival
Apply now and be part of CapBay's growth story!
