732 Credit Risk jobs in Malaysia

The Credit Risk Senior Analyst plays a crucial role in assessing and managing credit risk within Boost Bank.

This position involves analyzing obligor data, monitoring portfolio credit risk exposures and tweaking policies to better manage the portfolio, performing post approval credit review and developing strategies to mitigate credit risk exposure.

The Senior Analyst collaborates with various teams including Credit Underwriting, finance, and business units to ensure prudent credit risk practices are implemented in line with regulatory requirements and organizational objectives.

Key Responsibilities:

Post Approval Credit Risk Analysis:

• Perform an independent review on credit approvals to independently assess the effectiveness of approval process, people and guidelines.
• Conduct due diligence on approved credit applications and approval limit utilizations.
• Generate report for management consumption on the effectiveness of credit approvals and policies

Portfolio Management :

• Monitor the credit quality of existing accounts and portfolios to identify deteriorating credit conditions or emerging risks.
• Recommend strategies for portfolio optimization, including credit limit adjustments programs, risk-based pricing, and portfolio diversification.
• Perform regular reviews and stress tests on credit portfolios to assess their resilience to adverse economic scenarios.
• Recommend actions to mitigate credit risk concentrations and enhance portfolio performance.
• Develop methodology to proactively manage delinquency via early warning indicators and other analytical methods.
• Keep abreast on industry movements and news to ensure proactive management and anticipation of credit risk.

Key Responsibilities:

1. Post Approval Credit Risk Analysis:

• Perform an independent review on credit approvals to independently assess the effectiveness of approval process, people and guidelines.
• Conduct due diligence on approved credit applications and approval limit utilizations.
• Generate report for management consumption on the effectiveness of credit approvals and policies

1. Portfolio Management :

• Monitor the credit quality of existing accounts and portfolios to identify deteriorating credit conditions or emerging risks.
• Recommend strategies for portfolio optimization, including credit limit adjustments programs, risk-based pricing, and portfolio diversification.
• Perform regular reviews and stress tests on credit portfolios to assess their resilience to adverse economic scenarios.
• Recommend actions to mitigate credit risk concentrations and enhance portfolio performance.
• Develop methodology to proactively manage delinquency via early warning indicators and other analytical methods.
• Keep abreast on industry movements and news to ensure proactive management and anticipation of credit risk.

Credit Policy and Procedures:

• Participate in the development and review of credit policies, procedures, and underwriting guidelines.
• Ensure adherence to regulatory requirements and internal credit risk standards.
• Provide input into credit policy enhancements based on industry best practices and emerging trends.
• Collaborate with stakeholders to implement credit policy changes and ensure proper training and communication.

Reporting and Communication:

• Prepare comprehensive credit risk reports and presentations for senior management, board of directors, and regulatory authorities.
• Communicate credit risk findings, trends, and recommendations effectively to key stakeholders.
• Respond to inquiries from internal and external auditors, regulators, and other relevant parties regarding credit risk management practices.

Credit Risk/ MFRS9 Models:

• Provide feedback on newly developed and existing credit risk models to align with the bank’s overall Credit Risk strategy
• Collaborate with team members to provide design recommendations for Credit Risk models to ensure coherence and alignment with the bank’s portfolio construct.

Job Requirements & Criteria:

• Bachelor's degree in finance, economics, accounting, actuarial science, Statistics, banking, risk management or a related field.
• Minimum of 5 years of experience in credit risk analysis, preferably in a financial institution or a credit-intensive industry.
• Proficiency in financial statement analysis, credit scoring models, and risk assessment techniques.
• Knowledge of regulatory requirements related to credit risk management (e.g., Basel II/III, MFRS 9, etc).
• Excellent analytical skills with attention to detail and the ability to interpret complex data.
• Effective communication and interpersonal skills, with the ability to collaborate across departments and present findings to senior management.
• Proficiency in analytics software and reporting tools (e.g., Excel, Tableau, SQL) and Microsoft Office suite (Excel, PowerPoint, Word).
• Ability to work independently, manage multiple priorities, and thrive in a fast-paced, dynamic environment.

We are seeking an experienced Credit Risk Manager with a strong background in banking or financial services to help strengthen our risk management practices and financing portfolio oversight. This role focuses on enhancing credit evaluation, portfolio monitoring, and regulatory alignment. The Credit Risk Manager will work closely with senior management to provide valuable insights and ensure the company maintains sound and efficient risk practices in line with industry standards.

• Support the refinement of existing credit evaluation and risk practices.
• Provide guidance to ensure lending processes remain aligned with regulatory and industry standards.
• Recommend process improvements to increase operational efficiency in risk management.

• Evaluate financing product applications (hire purchase and related credit facilities).
• Analyze customer credit profiles, behavioral patterns, and portfolio performance to provide insights for management.
• Offer recommendations on credit exposure and risk appetite thresholds.
• Track and report on delinquency trends, portfolio concentration, and emerging risk patterns.
• Conduct stress testing and scenario reviews to support decision-making.
• Highlight areas of concern and suggest practical mitigation measures.

• Act as a key advisor to senior management on credit risk matters and portfolio health.
• Collaborate with finance, operations, and data teams to integrate risk perspectives into business strategies.
• Contribute insights to ongoing initiatives, including predictive modelling and portfolio analytics.

• Bachelor’s or Master’s degree in Finance, Economics, Business, Risk Management, or related fields.
• 5–10 years of experience in credit risk management within banking, financial services, or fintech.
• Strong knowledge of financing products (hire purchase, personal loans, or similar).
• Familiarity with regulatory frameworks and risk governance practices.
• Solid experience in credit analysis, risk frameworks, and portfolio management.
• Strong communication, problem-solving, and leadership skills.

We are seeking an experienced Credit Risk Manager with a strong background in banking or financial services to help strengthen our risk management practices and financing portfolio oversight. This role focuses on enhancing credit evaluation, portfolio monitoring, and regulatory alignment. The Credit Risk Manager will work closely with senior management to provide valuable insights and ensure the company maintains sound and efficient risk practices in line with industry standards.

• Support the refinement of existing credit evaluation and risk practices.
• Provide guidance to ensure lending processes remain aligned with regulatory and industry standards.
• Recommend process improvements to increase operational efficiency in risk management.

• Evaluate financing product applications (hire purchase and related credit facilities).
• Analyze customer credit profiles, behavioral patterns, and portfolio performance to provide insights for management.
• Offer recommendations on credit exposure and risk appetite thresholds.
• Track and report on delinquency trends, portfolio concentration, and emerging risk patterns.
• Conduct stress testing and scenario reviews to support decision-making.
• Highlight areas of concern and suggest practical mitigation measures.

• Act as a key advisor to senior management on credit risk matters and portfolio health.
• Collaborate with finance, operations, and data teams to integrate risk perspectives into business strategies.
• Contribute insights to ongoing initiatives, including predictive modelling and portfolio analytics.

• Bachelor’s or Master’s degree in Finance, Economics, Business, Risk Management, or related fields.
• 5–10 years of experience in credit risk management within banking, financial services, or fintech.
• Strong knowledge of financing products (hire purchase, personal loans, or similar).
• Familiarity with regulatory frameworks and risk governance practices.
• Solid experience in credit analysis, risk frameworks, and portfolio management.
• Strong communication, problem-solving, and leadership skills.

With advanced risk management strategies and model capabilities, Ant International Credit Service team provide risk-related consulting services to international partners who want to step into the lending business, including risk strategy and risk modeling support, ensuring rapid growth of credit business while effectively controlling risks and achieving a win-win situation.

• Understand the attributes of credit products, business scenarios, customer characteristics, and be familiar with the basic framework of risk strategies, including credit strategies for the new and repeated users; experience in overseas markets is preferred;
• Use ecosystem data to design and formulate a full-process strategy for pre-loan, mid-loan and post-loan stages, implement, deploy and iterate strategy after collecting enough samples;
• Work closely with business partners to drive risk-related analysis and tasks.

• At least 2 years of relevant experience in risk assessment, modeling and analysis; background in small and micro strategy is preferred
• Good English listening, speaking, reading and writing skills
• Willing to go for occasional business trips
• Risk management related experiences in banks, Fin-tech companies, consumer finance is preferred

• Mid-Senior level

• Full-time

• Finance

Responsibilities

Manage the Credit Risk Management (CRM) and provide timely reporting on credit risk portfolio and exposure to management, board and regulatory.

Ensure adequate and proper credit policies, procedures and supporting mechanisms in managing credit risks and aligned to local regulations, internal rules, leading practices and business needs.

Review and ensure timely preparation of Basel II and Basel III reporting and other regulatory reporting based on BNM’s guidelines.

Ensure timely preparation of Credit Risk Report for submission and deliberation at Management/Board meetings and regulatory reporting.

Support management and stakeholders with the provision numbers (computation of Expected Credit Loss (ECL) MFRS9) for internal management reporting, published financial statements, analysis and simulation of provision numbers as well as ad hoc requests.

Monitor, analyse and report credit portfolio performance, concentration, trigger limits with forward looking elements.

Review and assess risk profile of the loan portfolio and ensure the compliance with internal/external guidelines and procedures.

Advising and reporting to management on loan asset quality including concentration and migration of risk in portfolio, identification of potential vulnerabilities of portfolio under stressed and specific business condition.

Acquainted on the all the risk monitoring tools that is being used for scenario analysis, stress testing and financial modelling and others.

Encourage a culture of risk awareness and accountability across the business.

Provide ongoing advice to the management regarding emerging risk issues throughout the organization to support informed decision making.

Supporting the Company strategy by cultivating risk governance culture.

Review and recommend risk methodology that is align to the regulatory and industry best practice requirements.

Independently reviewing high risk project that may have adverse impact to the Organization.

To assist in planning and executing of the business continuity management together with changes in methodology to ensure effectiveness of the business continuity and resilience of the Organization.

Salary match Number of applicants Skills match

Your application will include the following questions:

• What's your expected monthly basic salary?

AEON Credit Service (M) Berhad is a leading consumer financing provider with business operations in Japan, Malaysia, Hong Kong, Thailand, Taiwan and China. We established a strong presence in Malaysia since 1996 with a wide range of consumer financial services. Our portfolio currently includes credit card, personal financing and easy payment scheme which help enrich the livelihood of many Malaysians.

We offer an exciting and dynamic workplace for all employees. As part of our expansion plan, we are on the lookout for talented individuals who strive for excellence. If you are visionary go-getter, come join us today. Together, we can shape a promising and satisfying career path.

To help fast track investigation, please include here any other relevant details that prompted you to report this job ad as fraudulent / misleading / discriminatory / salary below minimum wage.

Researching careers? Find all the information and tips you need on career advice.

Overview

KAF Group WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia

Direct message the job poster from KAF Group

Job Role: Credit Risk Manager

This is a retail banking role in the second line of defense, where the officer is responsible for assessing and managing credit exposures within the bank. The role ensures that credit risks are appropriately identified, measured, monitored, and controlled in accordance with the bank's policies and Bank Negara Malaysia's regulatory guidelines. Experience in PD, EAD, LGD, ECL modelling, CRWA, Basel III, and MFRS 9 is a must.

• Monitor the overall credit exposure, identifying trends, concentrations, and potential areas of concern.
• Reporting: Alert senior management to breaches of credit risk limits or thresholds.
• Ensure that credit exposures remain within established limits.
• Utilize bank systems and tools to facilitate the credit risk assessment process.
• Develop/Assist in the MFRS 9 reporting process.
• Policy & Procedure: Develop/Assist in the review and development of credit risk policies and procedures.
• Ensure that credit decisions align with the bank's risk appetite and regulatory guidelines.
• Work closely with the lending or credit origination teams, ensuring that credit decisions are informed by sound risk analysis.
• Engage in discussions with business units regarding credit risk appetites and limits.

• Prepare BNM regulatory reporting.
• Prepare reporting for ORION/ KijangNet.
• Assist to conduct the strategic risk profile exercise of the bank.
• Undertake any ad-hoc assignments and tasks as directed by management.
• Contribute to the establishment of the Bank Departments’ Key Risk Indicators (KRIs), Risk Control Self-Assessments (RCSA), Risk Profiles, and Risk Register.

• Experience: Manager - At least 7+ years working experience in credit risk management (second defence line).
• Education: Bachelor’s degree in Finance, Economics, Risk Management or a related field.
• Familiarity with Malaysian regulatory requirements and guidelines for Islamic banking institutions.
• Analytical and problem-solving skills with the ability to assess and address risk scenarios.
• Good communication and interpersonal skills, with the ability to collaborate effectively with various stakeholders.

• Mid-Senior level

• Full-time

• Accounting/Auditing

• Financial Services and Banking

Company Overview:

Our Client is a Malaysia-based motorcycle hire-purchase financing provider offering quick approvals, flexible 12- 60 month installment plans, and up to 90% financing coverage.

They are seeking an experienced Credit Risk Manager with a strong background in banking or financial services to help strengthen the risk management practices and financing portfolio oversight. This role focuses on enhancing credit evaluation, portfolio monitoring, and regulatory alignment. The Credit Risk Manager will work closely with senior management to provide valuable insights and ensure the company maintains sound and efficient risk practices in line with industry standards.

• Risk Practices & Governance
  • Support the refinement of existing credit evaluation and risk practices.
  • Provide guidance to ensure lending processes remain aligned with regulatory and industry standards.
  • Recommend process improvements to increase operational efficiency in risk management.
• Credit Assessment & Insights
  • Evaluate financing product applications (hire purchase and related credit facilities).
  • Analyze customer credit profiles, behavioral patterns, and portfolio performance to provide insights for management.
  • Offer recommendations on credit exposure and risk appetite thresholds.
• Portfolio Monitoring & Reporting
  • Track and report on delinquency trends, portfolio concentration, and emerging risk patterns.
  • Conduct stress testing and scenario reviews to support decision-making.
  • Highlight areas of concern and suggest practical mitigation measures.
• Advisory & Collaboration
  • Act as a key advisor to senior management on credit risk matters and portfolio health.
  • Collaborate with finance, operations, and data teams to integrate risk perspectives into business strategies.
  • Contribute insights to ongoing initiatives, including predictive modelling and portfolio analytics.

• Bachelors or Masters degree in Finance, Economics, Business, Risk Management, or related fields.
• 5-10 years of experience in credit risk management within banking, financial services, or fintech.
• Strong knowledge of financing products (hire purchase, personal loans, or similar).
• Familiarity with regulatory frameworks and risk governance practices.
• Solid experience in credit analysis, risk frameworks, and portfolio management.
• Strong communication, problem-solving, and leadership skills.

We are seeking a
Credit Risk Associate
to support our
multi-strategy crypto trading firm
. In this role, you will design and implement frameworks to evaluate counterparty creditworthiness, set and monitor credit limits, and ensure disciplined risk management across trading and lending activities.

The role requires hands-on collaboration with trading, operations, treasury, and engineering teams to assess exposures in real time, perform stress tests, and build the tools and models that make our credit decisioning scalable, data-driven, and resilient.

Key Responsibilities

• Design and implement credit evaluation frameworks to assess counterparties with varying transparency, asset quality, and liquidity profiles.
• Conduct credit assessments of exchanges, brokers, and institutional clients to determine onboarding suitability and establish risk limits.
• Build and maintain exposure and stress testing models for client-facing products, including forwards, options, and structured loans.
• Manage the operational rollout and maintenance of counterparty credit limits across trading desks and business lines.
• Partner with technology teams to develop integrated deal booking and risk monitoring systems that provide real-time visibility into exposures.
• Perform periodic refreshes of counterparty credit ratings and recalibrate limits based on market conditions and updated information.
• Monitor and escalate credit limit breaches, ensuring adherence to the firm's risk appetite and control framework.
• Continuously refine the credit risk framework to align with strategic business priorities, client pipelines, and evolving market structures.
• Collaborate closely with Sales, Trading, Treasury, Operations, and Compliance to ensure credit considerations are embedded throughout deal and product lifecycles.

Required Experience And Skills

• 3-5 years of experience in credit risk management, ideally in crypto trading, FX, commodities, OTC, or prime brokerage environments.
• Proven ability to design and operationalize credit frameworks for counterparties with limited transparency or complex risk drivers.
• Deep understanding of crypto market structures, counterparty types, and asset liquidity dynamics.
• Proven ability to develop models to stress test credit exposure to counterparties
• Strong operational instincts — able to navigate incomplete data, resolve exceptions, and maintain control under pressure.
• Experience implementing and maintaining credit limits and conducting exposure monitoring in fast-moving trading environments.
• Strong interpersonal and communication skills, with the ability to partner cross-functionally and influence decision-making.
• Bachelor's degree in Finance, Economics, or a quantitative discipline; FRM, CFA, or equivalent certifications preferred.

Technical Skills

• Advanced proficiency in Excel / Google Sheets (automation, VBA) and SQL for data extraction and reporting.
• Experience coding in Python to develop credit models, stress testing tools, or exposure analytics.
• Knowledge of risk and portfolio monitoring systems (Elwood, Haruko, etc).
• Strong quantitative foundation in financial modeling, data analysis, and scenario simulation.

Compensation & Benefits

• Competitive salary based on experience
• Participation in company bonus pool
• Daily catered lunch
• Health insurance and wellness benefits

About Caladan
Caladan makes digital asset markets more efficient and fair. We support exchanges, tokens, and institutional investors with on-exchange liquidity, DeFi expertise, treasury solutions, and investments. Since 2017 we've been a pioneer in crypto market-making, powering over $50B in annual transactions across 1000+ assets.

Key Responsibilities

• Prepare Financial Institutions (Bank and NBFI) credit proposals for credit facilities. This includes the following - identify pertinent credit related issues, work closely with stakeholders to identify business requirements, oversee the credit approval process to ensure timely approvals, handle post-approval work process.
• Monitor the FI portfolio to ensure any pertinent credit and other deal related issues are properly escalated to the relevant authorities.
• Keep abreast of latest developments and provide updates to the stakeholders.
• Assist in the negotiation of legal documents (ISDA/CSA/GMRA/TMA/NAFMII) with FI counterparties.
• Assist to review FI credit related frameworks and policies.
• Participate in ad-hoc credit related exercises.
• Ensure compliance with internal and external regulatory requirements.

Key Requirements

• Has professional qualifications such as ACCA (or its equivalent), Asian Institute of Chartered Bankers (Certified Credit Professional, Professional Credit Certification, Business Credit Professional, Competency Validation Assessment) or OMEGA.
• Possess strong accounting / financial analytical and credit evaluation skills, has financial modeling skills, good business writing & presentation skills and good understanding of Wholesale Banking products.