Credit Analyst / Underwriter (Fintech)

Riverchain Kuala Lumpur City, Federal Territory of Kuala Lumpur, Malaysia

Riverchain is a leading fintech platform transforming how construction companies access working capital. By combining innovative financing solutions with cutting-edge technology, we empower contractors and suppliers to accelerate cash flow, manage risk, and scale their businesses. Headquartered in Hong Kong and rapidly expanding across Southeast Asia, Riverchain partners with a diverse range of construction stakeholders, delivering flexible financing products tailored to the industry’s unique needs. Our culture is collaborative, fast-paced, and growth-oriented — we’re building the future of construction finance, one transaction at a time.

Job Summary

We are seeking a detail-oriented professional to join as Credit Underwriter in this critical role of assessing, evaluating and underwriting financing applications. You will be expected to take ownership of credit recommendations and decisions by analysing financial data, reviewing documentation and providing informed recommendations regarding financing approvals. The ideal candidate will be a self-motivated individual with a strong background in credit analysis and risk assessment in the financial services industry and will also have a role supporting cross-functional teams.

Responsibilities

• Conduct thorough risk assessments by following the company’s underwriting guidelines, policies and scoring methodology. Work will include analysing client creditworthiness, and the risk associated with individual transactions. On a day-to-day basis, you will be reviewing company documents, financial statements, trade documents, credit reports, market research and other relevant documentation to evaluate the risk associated with financing transactions.
• Collaborate with the relationship managers and the operations team to facilitate the execution and structuring of transactions and perform ongoing monitoring.
• Execute monitoring procedures and ensure timely receipt of client documentation and financial information; maintain accurate and organised records and documentation and ensure compliance with regulatory requirements, best practices and internal credit policies.
• Prepare restructuring proposals and support collections and recovery processes when required.
• Collaborate with other departments to streamline credit analysis processes and enhance overall efficiency.

Requirements

We offer a competitive salary package, including benefits and opportunities for professional growth and advancement within the organisation.

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