Credit Executive

Key Responsibilities

Review and verify hire purchase loan applications to ensure accuracy and compliance with policies

Assess customers' repayment ability and credit profile, and provide recommendations

Request additional documentation where required and ensure proper checks are in place

Monitor loan portfolio performance and highlight early risks

Contribute to credit committee discussions and provide insights for decision-making

Support internal audits and help improve credit processes

Work closely with sales and collections teams on credit-related matter

Job requirement

Degree in Finance, Accounting, Business Administration or related field

Proven experience as a credit analysis, credit officer, or related experience in auto finance, banking, or financial services

Solid understanding of credit risk assessment, lending principles, and financial analysis

Strong analytical and problem-solving skills with attention to detail

High integrity, professionalism, and ability to manage multiple cases in a fast-paced environment

Proficiency in Microsoft Office and credit systems