About you

Embark on a career at CARSOME, where our vision is to create the most trusted vehicle ownership ecosystem that is driven
by technology and data. Join us in our mission to deliver unparalleled peace of mind to customers throughout their pre-owned
vehicle ownership experience. At CARSOME, we are guided by values that prioritize our customers, encourage collaborative
problem-solving, strive for continuous improvement, and foster bold yet thoughtful innovation. We're committed to efficient,
humble leadership and taking ownership in our roles, always aiming to positively impact our employees, customers, and
community

Your Day-to-Day

Develop and implement credit risk policies for Hire Purchase and Dealer Financing products. Assess and review credit applications, ensuring alignment with the company's risk appetite. Monitor portfolio performance, including delinquency trends, NPL ratios, and vintage analysis.Define and adjust risk appetite based on market conditions and portfolio health.Conduct regular stress testing and scenario analysis to evaluate portfolio resilience.Establish early warning systems and risk triggers to detect potential defaults or fraud.Collaborate with sales and credit operations to balance risk control and business growth.Provide recommendations on risk-based pricing and dealer credit limit structures.Develop risk dashboards and reports for management and board-level review.Ensure compliance with BNM guidelines and internal governance standards.Lead investigations into significant credit or operational risk events and propose corrective actions.Support system improvements and automation to enhance risk monitoring and decision-making efficiency.

Requirement

Bachelor’s degree in Finance, Economics, Risk Management, Accounting, or a related field.5–8 years of experience in credit risk, portfolio risk, or enterprise risk within a bank, NBFI, or fintech lending environment.Strong knowledge of credit risk assessment for both individuals (Hire Purchase) and businesses (Dealer Financing).Proficient in portfolio monitoring using key metrics like delinquency, NPL, vintage loss, and early warning indicators.Familiar with regulatory guidelines, especially BNM standards applicable to lending and risk governance.Strong analytical and data skills, with proficiency in Excel; experience with Power BI or SQL is a plus.Excellent communication and stakeholder management skills, with ability to engage sales, operations, and senior leadership.