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Credit MIS

Credit MIS

Boost BankKuala Lumpur, Kuala Lumpur, Malaysia
12 jam yang lalu
Penerangan pekerjaan

Your Role

Policy & Governance

  • Develop, maintain, and regularly review credit policies, procedural manuals, and guidelines across all credit products to ensure relevance and effectiveness.
  • Ensure policies are compliant with internal standards and external regulatory requirements.
  • Manage documentation, communication, and clarification of credit policy updates.
  • Support internal and external audits, regulatory assessments, and reviews related to credit policy governance and compliance.

Portfolio Analytics

  • Conduct deep-dive analysis on portfolio performance to ensure healthy portfolio growth, and continuous improvement in credit policies and performance metrics.
  • Formulate and support portfolio management strategies, including early warning triggers and pre / post-delinquency action plans.
  • Design and implement early warning frameworks to proactively detect risk segments, perform ad-hoc analysis using advanced analytics tools.
  • Analyze delinquency trends and portfolio / collection performance, ensuring corrective actions and controls are in place to maintain portfolio health.
  • Collaborate with the Collections team to develop MIS reports and analytics that support collections strategies and monitor third-party debt collection agency performance.
  • Develop, track, and report on portfolio KPIs, exception caps, performance indicators, and Collections MIS dashboards.

    • Strategic Support

  • Create and maintain detailed level dashboards to provide actionable insights for senior management.
  • Assist in strategic planning by contributing to segmentation, policy improvement, and performance optimization.
  • Responsible in the preparation of data / reporting required for senior management meetings.

    • Key Result Areas

  • Ensured efficient governance of credit policies, maintaining alignment with both internal standards and external regulatory requirements.
  • Enhanced portfolio quality by conducting proactive analysis and implementing early warning systems to identify and mitigate credit risks effectively.
  • Developed and sustained robust MIS and reporting frameworks to facilitate continuous credit risk monitoring and support strategic decision-making.
  • Strengthened collections strategies through data-driven customer segmentation and analytics, resulting in improved recovery outcomes.
  • Maintained credit performance consistently within defined benchmarks, supporting sustainable growth and profitability for the business.

    • Requirements

  • Bachelor's degree in Statistics, Mathematics, Computer Science, or a related discipline.
  • 2 to 4 years of experience in Credit Policy, Portfolio Analytics including Portfolio Management and Collections, with hands-on involvement in credit policy documentation.
  • Proven expertise (2 to 4 years) in advanced analytics, programming languages, and data visualization tools such as Tableau, Power BI, QlikView, VBA (or equivalent), SAS, and SQL.
  • Strong knowledge of various business models, key drivers, and industry trends, particularly in supply chain financing or trade financing.
  • Understanding of the digital ecosystem orientation and outlook within the SME and Consumer markets.
  • Demonstrated commitment to completing assignments within deadlines, and adaptability in rapidly changing environments.
  • Solid understanding of data structure management to support efficient credit reporting and portfolio analytics.
  • Ability to work independently with minimal supervision, demonstrating high accountability.
  • Strong communication (oral and written) skills would be an added advantage.
    • Buat amaran kerja untuk carian ini

    Credit • Kuala Lumpur, Kuala Lumpur, Malaysia