Credit Analysis & Risk Executive (Hire Purchase)

Why work with Carro?

Join the region’s largest online automotive marketplace with offices in 7 countries.

Firsthand experience in reshaping the automotive industry using the latest technologies such as AI and machine learning.

Formal and informal learning and development programmes to support your growth and career progression.

Comprehensive benefits include medical, insurance, and well-being.

Flexible working arrangements upon request.

Learn from some of the most experienced mentors in the technology and automotive space.

Meet and interact with colleagues from all around Asia.

Pursue opportunities to work at departments in other countries and regions.

Diverse and inclusive working environment with modern workspaces.

Fun and engaging employee events, initiatives, and celebrations.



About your role

To perform evaluation tasks for loan applications for Hire Purchase Loan and Credit Term.

To prepare a thorough analysis report detailing a borrower’s strengths, weakness, and ability to repay debt as well as identify risks.

To comply with the company’s policy and procedure for judgment.

To ensure the confidentiality of all protected information.

To work closely with the team members and inter-department members to complete tasks on a predetermined timeline.

Able to give sound opinions to improve the credit assessment process.

Perform other related duties as required.



Requirements

Bachelor’s degree or diploma in finance, accounting, business, or a related field.

Minimum 2 years of experience in credit analysis, loan evaluation, or a similar role.

Strong understanding of Hire Purchase Loan and Credit Term processes.

Proficient in analyzing financial statements and assessing creditworthiness.

Excellent attention to detail and ability to identify risks in loan applications.

Familiarity with credit policies, procedures, and compliance standards.

Strong communication skills to provide clear insights and recommendations.

Ability to work collaboratively with teams and meet strict deadlines.

Proficiency in Microsoft Office applications (Excel, Word, PowerPoint).

High integrity with a commitment to maintaining confidentiality.