Digital Journey Credit Officer, SME Banking - Sales Channel MY
- Malaysia
- Permanent
- Full-time
- 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).
- 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
- Identify potential fraudulent applications and escalate as necessary
- Maintain confidentiality and integrity of customer data
- 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
- 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
- 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.