Get To Know Our Company GX Bank Berhad - the Grab-led Digital Bank - is the FIRST digital bank in Malaysia, approved by BNM to commence operations. We aim to leverage technology and innovation to serve the financial needs of the unserved and underserved individuals, and micro and small medium enterprises. We are driven by our shared purpose and passion to bring positive transformation to the banking industry, starting with solutions that address the financial struggles of Malaysians and businesses. Get To Know The Role The Independent Credit Review Specialist will be responsible for conducting post approval independent credit assessment on loan applications which is being channeled through the bank's apps as well as partnership based on respective agreed criteria to ensure compliance of partners in check periodically. The incumbent is required to report back to the bank on the outcome of the independent review, highlight any gaps observed and work with both internal and external partners to close the gaps in a timely manner. Additionally, this role is expected to share any insight and new proposal on how to improve the credit policy in order to meet the bank&aposs risk appetite. Clear understanding of the bank's internal credit policy as well as each and every loan channeling partnership agreement the bank has especially on the credit assessment criteria which the partners are obligated to comply with. Conduct post approval evaluation and assessment based on the respective approved criteria for loan applications channeled through internal apps and partnership on a monthly basis, conducted either onsite or digitally. Derive standard checklist / template for each and every loan channel in order to track and record the accuracy of the assessment done by every party (both internal and partners). Table the post approval review result to the bank's senior management, report any gaps observed which includes working out a resolution together with the partner to close the gaps in a timely manner. Share new insight and make recommendations / proposals based on the learning from credit review done over time to enhance the bank's credit policy and credit criteria with the partners. Collaborate with internal credit risk managers to derive more effective credit risk policy for both internal and channeling partnership. The Must Haves Bachelor&aposs degree in Finance, Economics, Business, Mathematics, or a related field. Minimum 5 years of experience in credit assessment / underwriting in either Retail or SME arena, preferably SME, having experience in both would be an advantage. Strong knowledge of credit underwriting and regulatory frameworks. Good appreciation of legal documentation to identify areas which could present credit risks. Strong analytical, problem-solving, and decision-making skills. Excellent communication skills and the ability to work in a fast-paced, data-driven environment. Familiarity with automated lending platforms and digital banking ecosystems. Sound credit analytical skills. Strong communication skills. Show more Show less