Role Overview: The Credit Executive / Senior Executive will be reporting to the Group Finance Director and will be responsible for setting up and maintaining robust credit frameworks to support the company's private credit operations. This role oversees the full credit lifecycle, ensuring loan applications are properly assessed, documented, monitored, and recovered in line with internal risk appetite and regulatory requirements. The position requires close coordination with internal teams, finance, and clients to maintain sound portfolio quality and compliance. Job Description: Set up and maintain credit policies, workflows, and approval processes. Assess loan applications and responsible for the accuracy and completeness for the customer loan application before submitting to finance department. Prepare and present credit proposals for approval in accordance with risk appetite. Oversee full loan lifecycle: application approval documentation disbursement monitoring collection recovery. Monitor repayment performance, identify early warning signals, and recommend risk mitigation actions. Support collection and recovery efforts for overdue accounts. Ensure compliance with lending regulations, AML/CFT requirements, and internal policies. Handling private credit client's enquiries from all communication channels (eg.: email, call, WhatsApp & etc) Qualifications & Skills: Bachelor's degree in Finance, Accounting, or related field. Minimum 3-5 years of experience in private credit, credit analysis, credit risk, or lending operations. Strong understanding of credit policies, loan structures, and regulatory requirements (including AML/CFT). Analytical and detail-oriented with strong financial analysis and risk assessment skills. Excellent communication and interpersonal skills to manage client relationships and internal coordination. Ability to work independently with high integrity, accuracy, and accountability. Proficient in Microsoft Office (Excel, Word, PowerPoint) and comfortable with financial/loan management systems. Problem-solving mindset with the ability to recommend practical risk mitigation solutions. Show more Show less