378 Credit Risk jobs in Malaysia

OCBC Federal Territory of Kuala Lumpur, Malaysia

Excellent opportunity for an experienced credit risk professional to join a high-performing and evolving Risk Portfolio Management (RPM) function. RPM comprises of a broad range of functions primarily focused on credit portfolio management across banking subsidiaries within OCBC Group. This position is under the Credit Risk Modelling (CRM) team within RPM.

CRM is a high-profile, multi-disciplinary risk analytics team that covers credit risk models at OCBC Group. The key functions CRM performs include developing, implementing and managing various types of credit risk models, such as Credit risk Scorecards, Internal Rating models, IFRS 9 based Expected Credit Loss models, Credit Stress Testing models, Economic Capital models and Machine Learning models that support Group’s credit risk measurement. These models are embedded in the credit underwriting, customer selection, limit setting, early warning and problem recognition, as well as assessment of capital and provision adequacy.

• Develop, implement, and maintain credit risk models supporting the Consumer, Small Business and Wholesale segments of the Group


• Monitor, back-test and report performance of the models to ensure adherence to performance standards and early detection of weaknesses.


• Develop and maintain user requirements, parameters and configurations of systems housing the models.


• Develop in-depth expertise in credit risk modelling methodologies


• Work closely with independent model validators to ensure compliance to model governance framework and timely closure of validation findings.


• Engage with auditors and regulators to ensure compliance with relevant requirements.


• Engage with various stakeholders to develop analytical solutions using model outputs in credit decisioning, business strategies, allowance, and capital assessment.

• Degree in Quantitative/Financial discipline, such as Accounting, Finance, Economics, Mathematics or Computer Science.


• Working experience in credit analysis/modelling or credit risk management of Consumer, Small Business and/or Wholesale portfolios.


• Analytical and independent thinker with strong written and verbal communication skills.


• Ability to interact and communicate effectively with senior management.


• At least 3-5 years / 5-7 years of relevant experience in a related area for Senior Analyst / Lead Analyst respectively.


• Strong computational skills with an experience in handling data and performing quantitative analysis.


• Good understanding of Basel III, IFRS regulations and credit products.

• Associate

• Full-time

• Other

• Financial Services and Banking

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

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.

Ryt Bank is seeking an experienced and analytical professional to join our Credit Risk team in Kuala Lumpur, Malaysia. This role focuses on monitoring, analysing, and optimizing the credit portfolio while ensuring robust risk management practices in a fast-moving digital lending environment. The role is ideal for someone who thrives on data-driven insights, values precision, and is eager to contribute to the stability and growth of a digital-first bank.

Ryt Bank is seeking an experienced and analytical professional to join our Credit Risk team in Kuala Lumpur, Malaysia. This role focuses on monitoring, analysing, and optimizing the credit portfolio while ensuring robust risk management practices in a fast-moving digital lending environment. The role is ideal for someone who thrives on data-driven insights, values precision, and is eager to contribute to the stability and growth of a digital-first bank.

• Develop and maintain dashboards to track portfolio performance and segmentation analytics.
• Conduct in-depth thematic portfolio reviews to identify weaknesses and opportunities for optimization.
• Develop and manage credit risk scorecard models for underwriting and portfolio management.
• Support the development, enhancement, and implementation of Expected Credit Loss (ECL) models and calculations.

• Partner with internal teams to align risk strategies with business goals.
• Assist with other risk-related tasks and initiatives as assigned by the Head of Credit Risk.

• Bachelor’s degree or higher in Mathematics, Statistics, Finance, or a related field.
• Minimum 5 years of hands-on experience in banking or digital lending.
• Strong technical expertise in credit and credit models.
• Proficiency in data processing and statistical tools (e.g., R, Python, SQL).
• Structured, data-driven thinker with the ability to translate insights into actionable recommendations.
• Independent, proactive, and comfortable working with multiple stakeholders.
• Experience shaping credit risk strategies at a fast-growing digital bank.
• Work with cutting-edge tools and data to drive real business impact.
• Gain exposure to innovative risk management practices in digital lending.
• Competitive compensation and opportunities for professional growth.

• Revolutionary in our thinking
• Innovative in our products, services, and the way we work
• Genuine in our intentions
• Honourable in our actions
• Tenacious in overcoming challenges

If you’re ready to contribute to the backbone of responsible growth at Ryt Bank, we welcome you to bring your expertise and help us uphold the highest standards of credit risk management and professionalism.

• Seniority level: Mid-Senior level
• Employment type: Full-time
• Job function: Project Management, Other, and Accounting/Auditing
• Industries: Banking, Financial Services, and Business Consulting and Services

Join to apply for the Senior Credit Risk Analyst role at RHB Banking Group

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Join to apply for the Senior Credit Risk Analyst role at RHB Banking Group

• Develop, review and implement RAC for higher risk sector for Non-Retail Malaysia Operations and Overseas Operations.
• Identification of new emerging risk in sector other than selected higher risk sectors.
• Involve in annual review on effectiveness of RAC in managing high risk sectors / customers.
• Support Section Head in engaging/liaising with business counterparts in addressing pertinent RAC issues and follow-up with business on action plans; undertake impact studies where required.
• Development and maintenance of relevant policy/guidelines/procedures
  
  

• Develop, review and implement RAC for higher risk sector for Non-Retail Malaysia Operations and Overseas Operations.
• Identification of new emerging risk in sector other than selected higher risk sectors.
• Involve in annual review on effectiveness of RAC in managing high risk sectors / customers.
• Support Section Head in engaging/liaising with business counterparts in addressing pertinent RAC issues and follow-up with business on action plans; undertake impact studies where required.
• Development and maintenance of relevant policy/guidelines/procedures
  
  

• To identify potential problematic accounts via EWS statistical tools, include conducting cursory assessment based on fresh triggers, market news etc.
• Ensure timely highlight of potential high-risk exposure in relation to Emerging Risk.
• Take charge of preparation and issuances of:
• Early Warning Alert Report on quarterly basis.
• Expected Default Frequency (EDF) report on monthly basis.
• Shares concentration monitoring reports on monthly basis.
• Monitor and ensure admission of borrowing accounts into watchlist monitoring based on prescribed EWS trigger criteria.
• Timely alert of adverse market news.
• Review EWS trigger and controls.
• Support annual review on effectiveness of EWS statistical tools in identifying vulnerable customers.
• Development and maintenance of relevant policy/guidelines/procedures.
  
  

• Impact analysis of economical triggers for example depreciation of MYR against USD to RHB Non-Retail portfolio.
  
  

• Assist in ad-hoc projects and exercises as requested by superiors or stakeholders, providing suitable reports and recommendations as needed.
• Undertake assignments as assigned by supervisor from time to time.

• Seniority level Mid-Senior level

• Employment type Full-time

• Job function Finance and Sales

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