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Primary Location: Malaysia,Wilayah Persekutuan,Kuala Lumpur
Education: Bachelor's Degree
Job Function: Operations Credit Ops
Shift: Day Job
Employee Status: Regular
Travel Time: No
Job ID: 17064470
Manage a team of Credit Managers / Officers processing unsecured consumer loan applications (Credit Card / Ready Credit / UPL / Citi Business / ODTD / Merchant)
To ensure applications are evaluated and approved in prudent manner within bank's Credit Policies / AML guidelines and Statutory Credit Lending Guidelines (BNM) within approving limits
To ensure suspicious cases are escalated to Fraud Division upon detection of any possible fraud elements to prevent losses to the bank
To ensure service standards on Turnaround Time for credit processing
To ensure unit supports Malls / Branches on extended hours to meet 1 hr Instant Card delivery
To work closely with Sales, Risk and Project teams during new product / process launches to understand new requirements for robust credit processing support including resource planning
To develop a professional working relationship with Cross Functional Units (i.e Sales / Risk / Tech / Bops / ITO) by maintaining proper professional attitude and positive disposition
To ensure timely dissemination of revised / new policies to credit officers.
To review MIS reports on key KPI's such as processing volumes by products, credit officers productivity, TAT's, aging application report, KRI Triggers and validate capacity requirements on regular basis
To review and submit in-country / Regional MIS on timely basis
Manage outsourced vendor (capacity, productivity, agreements etc) to ensure day to day operations are running smoothly
To ensure timely & quality project testing, system cut-over and production sanity tests are performed to avoid disruption to credit processing
Manage Unit's budget and Expenses Line/Tasks to ensure meeting Business Plan and formulate cost saving / re-engineering initiatives
To conduct a monthly meeting with all department staff to disseminate important information, share strategies / results and conduct periodic department huddles on Service Principles
Manage staff appraisal process, perform periodic performance feedback and manage day to day staffing issues
Identify Hi Potential staff and work closely on their career path through added responsibilities, exposure to cross dept processes, training, personal mentoring / HR programs and overseas transfer opportunities(i.e LDP)
Monitor non-performers and formulate action plans with Unit Managers to address poor performance through coaching/PSP(where applicable)
Ensure staff are provided with relevant training / skills to perform their work functions effectively
Dept Liaison for Important Reviews & Audits including BNM / KPMG / Internal & Regional Reviews
Ensure key processes are updated in LOP and reviewed periodically for updates
Ensure system security violations are acted upon in timely manner
To ensure and maintain clients satisfaction, with focus on quality and improvement
Lead Department staff activities to ensure staff get work-life balance
Bachelor's Degree in any of the following fields:
Banking and Finance
Be a hands-on manager
Solid operations experience gained in a retail bank, card company, other retail financial services institution or consumer credit provider. Minimum 12years experience
Ability to lead and drive digital / automation initiatives
Experience handling high volumes in a high-pressure environment.
Demonstrated strong understanding of the credit lifecycle.
Understanding of the people and change management issues unique to an operations environment
Cross cultural experience
Vendor management experience
Strong influencing capability
Strong analytical skills in addition to strategic and lateral thought processes
Planning & organizing skills
Process improvement focus
Sound knowledge of local consumer regulatory framework
Likely to be degree qualified in a relevant business discipline