This centralized role is responsible for processing and evaluating all online financing applications received through various digital platforms (internal and 3rd party partners). The ideal candidate will ensure efficient, accurate, and timely credit assessments while adhering to the bank's policies, risk guidelines, and regulatory requirements.
1. Credit Processing & Assessment
- Process and evaluate online SME financing applications via digital platforms.
- Conduct pre-screening checks to verify applicant eligibility, business credibility, and financial health
- Assess creditworthiness based on internal guidelines and credit scoring models.
- Ensure all applications are processed with agreed turnaround time (TAT).
2. Documentation & Verification
- Review and validate customer submitted documents (financial statements, bank statements, etc.)
- Cross-check information against banking records, credit bureau reports, and fraud detection tools.
- Liaise with relevant teams to address missing or incorrect documentation
- 3. Compliance & Risk Management
- Ensure all applications comply with internal policies, regulatory requirements, and risk parameters
- Identify potential fraudulent applications and escalate as necessary
- Maintain confidentiality and integrity of customer data
4. Stakeholder Coordination
- Collaborate with Relationship Managers (RMs), Virtual Relationship Managers (VRMs), Branch Managers (BMs), and Business Call Centre (BCC) for application follow-ups.
- Communicate with customers (if necessary) to seek clarifications on their applications
- Work closely with the Credit Risk team to facilitate approvals
Qualification & Experience
- Bachelor's degree in Accounting, Banking, Economics, Business Management, Finance, Statistics, Computer Science, or a related field.
- Minimum 2 years of experience in credit processing, loan assessment, and banking operations
- Strong understanding of credit risk assessment, financial analysis, and SME financing products
- Familiarity with regulatory guidelines (BNM, AMLA, etc.) and credit policies
- Excellent attention to detail and ability to work in a fast-paced, high volume environment
- Experience in processing online financing applications
- Knowledge of SME lending products and digital banking trends
- Prior experience in a centralized credit processing unit is an advantage
Skills / Knowledge
- Strategic Product Management: Expertise in defining product visions, roadmaps, and managing lifecycles in both SDLC and Agile environments.
- Banking & Fintech Expertise: Deep understanding of banking products (e.g., deposits, loans) and fintech innovations (e.g., open banking, AI, P2P, B2B model).
- Data-Driven Decision Making: Strong analytical skills to define KPIs, measure success, and iterate on products.
- Customer-Centric Design: Ability to design personalized, user-friendly solutions based on customer insights.
- Stakeholder Management: Proven ability to lead cross-functional teams and manage relationships with vendors and partners.
- Detail-oriented & able to work under pressure to meet tight schedule.
- A well-established network of various merchants.
- Excellent leadership qualities, with the ability to work both as a team player and independently.
Certification
Any certification in Credit Professionals, Project Management, Agile or Scrum is an added advantage
