Credit Risk/Approver- AVP/VP

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.
• Assess specialised financing applications, including embedded finance, supply chain finance, and programme-based financing, by evaluating the strength of anchor buyers, transaction cash flows, and underlying commercial relationships in addition to traditional financial analysis.
• 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.
• Collaborate closely with Business, Product, Operations, Legal, Compliance, and Technology teams to support process improvements, product enhancements, and business growth initiatives.
• Provide credit risk insights and input on new financing products, partnerships, and portfolio expansion initiatives.
• Assess requests for amendments, restructurings, renewals, and variations to existing credit facilities, ensuring continued credit quality and policy compliance.
• Monitor and review the performance of approved credit portfolios, identify emerging risks or deterioration trends, and recommend appropriate remedial or risk mitigation actions.
• Analyse the root causes of delinquent or underperforming accounts and provide recommendations to enhance credit policies, underwriting standards, and portfolio risk management.
• Mentor and technically develop junior credit team members
• Stay abreast of market developments, industry trends, and regulatory changes to ensure sound credit decisions and continuous enhancement of credit risk practices.

Key Qualifications and Requirements:

We are looking for someone with:

• Minimum 7 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!