Credit Manager

About Us:

CapBay operates an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform. We facilitate inclusive business financing, using existing trade data and relationships. Through our proprietary credit-decisioning model, businesses of all sizes can obtain short-term financing while banks and investors can participate in high-quality financing deals. You can find out more about us atwww.capbay.com

About the Job:

In this role, you will be directly responsible for ensuring that all applications received from the Sales and Business Development team are properly filtered through an ever-sophisticated credit scoring system, keeping in line with CapBay's mission to provide smart and inclusive financing to SMEs whilst maintaining investors' trust in us.

Key Responsibilities:

We are looking for someone who is:

• Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, review appropriate facility structuring, and etc. This includes completion of credit papers / memos / term sheets for submission to relevant approving authority / Credit Committee for decision.
• Provide financial projections or sensitivity analysis for credit evaluation where necessary.
• Monitor loan portfolio repayments as well as conduct periodic credit review on accounts.
• Support development and enhancement of credit risk methodologies including Expected Credit Loss (ECL), Probability of Default (PD), portfolio segmentation, and credit scoring frameworks.
• Provide credit risk insights and modelling support for new financing products, partnerships, and portfolio expansion initiatives.

Key Qualifications and Requirements:

We are looking for someone with:

• Minimum 5 years of experience in Retail Business / SME / Commercial credit analysis OR SME/Biz banking sales-relationship management experience.
• Minimum a recognised Bachelor's degree in Finance/Accounting, Business Administration or related field.
• Equipped professional experience in Finance or Credit Analysis and/or with qualification in Credit Certified Professional (CCP)/ Professional Credit Certification -CCE/BCP from AICB /Omega CSA will be an added advantage.
• Strong analytical skills with good grasp of financial analysis and cash flow projections.