Job Description

Credit Policies

• Develop and review credit management policies, procedures, and guidelines.
• Observe latest regulatory requirement and update department P&P periodically according to the latest requirement.

Credit Assessment

• Review and approve credit assessment for clients and assign credit limit based on client’s credit profile accurately and timely.
• Ensure periodical review in conducted as per company/ regulatory standard and requirements.

Risk Monitoring

• Monitor and manage the credit exposure of the firm.
• Identify and mitigate credit risks through effective risk management strategies.
• Manage and improve debt collection process which inclusive of review of settlement proposal from client.
• Ensure that credit management related decision are executed in line with the delegated authority while adhering to the process standard defined by Company.

Training and Development

• Assist Head of department in coaching to staff to enhance staff knowledge and skills.
• Foster a collaborative and high-performance culture within the team.

Reporting and Compliance

• Prepare regular reports and presentations on credit risk management and market development activities for senior management.
• Ensure compliance with regulatory requirements and internal policies.
• Stay updated with industry developments and changes in credit risk management practices.

Job Requirements

• Minimum Diploma holder or Degree Holder, preferably in Finance, Accounting, Business Administration, Economics, or related fields.
• At least 5 years of experience in the stockbroking industry, specifically in Credit Management or related functions.
• Relevant certifications in credit, risk management, or financial services are a plus.
• Proven experience in managing credit operations, including credit evaluation, margin financing, client exposure monitoring, and trade settlement processes.
• Demonstrated ability to lead, supervise, and develop a credit management team.
• Strong decision-making skills with the ability to manage high-risk situations effectively.
• Comprehensive understanding of regulatory requirements by Bursa Malaysia, Securities Commission (SC), and Bank Negara Malaysia (BNM).
• Competent in analyzing financial statements, client trading behavior, and key risk indicators.
• Strong interpersonal and communication skills to liaise effectively with internal departments, dealers, senior management, and regulators.
• High level of integrity and discretion when handling confidential or sensitive information.