Credit manager/Asisst

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 Role:

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 able to:

• Provide credit evaluation on financing applications submitted by Business Units covering risk assessment, appropriate facility structuring, etc. This includes completion of credit papers / memos / term sheets for submission to the relevant approving authority / Credit Committee for decision.
• Provide financial projections or sensitivity analysis for credit evaluation where necessary.
• Interview clients with Relationship Managers during site visits if required.
• Perform independent post-approval reviews on credit accounts.
• Monitor loan portfolio repayments as well as conduct periodic credit reviews on accounts.
• Assess and ensure the overall good health of the department's credit portfolio.
• Prepare ad-hoc reports and statistics.
• Assist in managing the effectiveness of credit policies, guidelines and procedures.
• Participate in credit-related business development meetings with external parties.

Key Qualifications and Requirements:

We are looking for someone with:

• Minimum 3 years of experience in Retail Business / SME credit analysis OR SME / Business Banking sales-relationship management experience.
• Minimum a recognised Bachelor's degree in Finance/Accounting, Business Administration or a related field.
• Professional experience in Finance or Credit Analysis and/or qualifications such as Credit Certified Professional (CCP) / Professional Credit Certification (CCE/BCP) from AICB / Omega CSA will be an added advantage.
• Strong analytical skills with a good grasp of financial analysis and cash flow projections.
• Sound knowledge of credit products, credit policies and procedures, and regulatory requirements.
• Up-to-date knowledge of the latest financial, banking, compliance and economic-related news/issues.
• Good interpersonal and writing skills, with fluency in English and comprehension of Bahasa Malaysia.
• Proficiency in Microsoft Excel; expertise in PowerQuery and PowerPivot and/or knowledge of VBA for Excel and/or JavaScript scripting will be an added advantage.

Why Join CapBay?

• Shape the future of the accounting department in one of Malaysia's fastest-growing FinTech firms.
• Work at the forefront of financial innovation where technology and finance meet.
• An attractive remuneration package, comprehensive benefits, and a culture that celebrates success.

Our Achievements

• Top 200 Global Fintech Companies - CNBC
• EY Emerging Entrepreneur Of The Year
• Fintech Start-up of the Year Malaysia - The Asset's Triple A Digital Awards
• Best Fintech for Plug & Play Tech Center
• Best FinTech Platform for Supply Chain Finance - The Asian Banker
• Finalist at Global FinTech Hackcelerator and featured at Singapore Fintech Festival

Apply now and be part of CapBay's growth story!