Credit Officer, CCO - Unsecured Credit MY Malaysia Posted on 07/25/2023

Key Responsibilities:

• To analyse and process Unsecured Financing / Credit Card applications and 1MY AML alerts with a complete set of documentation and information for new and existing customers.
• Ensure applications are processed within the stipulated turnaround time / KPI set, and customers' expectations are met.
• Perform verification of the applicant with relevant parties to ensure the genuineness of the applicant and employment details. Be alert in detecting and preventing any potential elements of fraud or fraud applications.
• Follow-up on documents via RCSU or email.
• To perform Aqad and Acceptance tasks for Unsecured Financing.
• To compute and update the applicant's income, Debt Service Ratio, and other relevant variables accurately before performing the Centralized Retail Decision Engine (CRDE).
• To evaluate, analyze, and approve credit facilities within credit practices based on credit check findings and CCRIS conduct.
• To perform UAT Testing, escalate, and follow up in the event of facing any system issues.
• Exercise individual discretionary authority in accordance with the approval granted by management and ensure quality and accuracy.
• Undertake any other directives, duties, and ad-hoc tasks assigned by Management from time to time.

• Bachelor's Degree or Professional Qualification in the relevant discipline (Banking/Accounting/Finance/Business/Economics) or related courses.