ASSISTANT MANAGER, RISK

<p><font color="#000000" style="background-color:rgb(206,198,206);"><b>Your Day-to-Day </b> </font></p><p><b>1. Credit Risk Assessment and Monitoring</b></p><ul><li>Assess and analyse credit risk exposures arising from financing activities, customer profiles and business transactions.</li><li>Review credit applications, financial information, repayment behaviour, and relevant risk indicators to support sound credit decisions</li><li>Monitor portfolio performance, delinquency trends, default rates, and potential credit deterioration</li><li>Identify emerging credit risks and recommend appropriate mitigation measures to minimise potential losses</li></ul><p><b>2. Risk Analytics and Portfolio Management</b></p><ul><li>Prepare and analyse risk reports, portfolio dashboards, and key risk indicators (KRIs) to support management decision-making</li><li>Conduct trend analysis, sensitivity analysis, and stress testing where applicable to evaluate potential risk exposure</li><li>Identify portfolio concentration risks, unusual patterns, and deviations from established risk parameters</li><li>Provide data-driven recommendations to improve portfolio quality, risk-adjusted returns, and overall business performance</li></ul><p><b>3. Risk Policy and Framework</b></p><ul><li>Support the development, review, and implementation of risk management policies, procedures, and assessment methodologies</li><li>Ensure risk assessment processes are aligned with approved risk appetite, internal control, and applicable regulatory requirements</li><li>Recommend enhancements to existing risk policies and controls based on portfolio performance, business developments, and identified risk gaps</li><li>Maintain proper documentation of risk assessments, policy changes, and mitigation actions</li></ul><p><b>4. Risk Control and Mitigation</b></p><ul><li>Identify potential operational, process, and business risks within financing operations</li><li>Work with relevant business units to investigate risk incidents, assess root causes, and implement corrective and preventive actions</li><li>Monitor compliance with established risk limits, approval authorities, and control procedures</li><li>Escalate material risk issues, policy breaches, and emerging exposures to the Head of Risk and relevant stakeholders</li></ul><p><b>5. Regulatory Compliance and Governance</b></p><ul><li>Support compliance with applicable Malaysian laws, regulatory requirements, and internal governance standards relevant to the company’s business activities</li><li>Assist in preparing risk-related materials for management reviews, risk committees, and internal or external audits</li><li>Coordinate with Finance, Operations, Compliance, Legal, and other relevant teams on risk issues</li></ul><p><b>6. Stakeholder Collaboration and Reporting</b></p><ul><li>Collaborate with business and operational teams to balance business growth objectives with prudent risk management practices</li><li>Prepare periodic risk reports, management updates and presentations highlighting key exposures trends, and mitigation plans</li><li>Support risk-related projects, process improvements, and initiatives to strengthen the company’s risk management capabilities</li><li>Perform other risk management duties as assigned by the Head of Risk</li></ul><b><font color="#000000" style="background-color:rgb(206,198,206);">Job Requirement </font></b><ul><li>Bachelor’s degree in Finance, Economics, Accounting, Risk Management, Business Administration, Statistics, or a related discipline</li><li>Minimum 4-6 years of relevant experience in risk management, credit risk, portfolio analytics, financial services, banking, or financing</li><li>Experience in credit assessment, portfolio monitoring, risk reporting, and risk mitigation is preferred</li><li>Experience in a non-bank financial institution, consumer financing, automotive financing, or a related industry would be an advantage</li><li>Strong analytical, quantitative, and problem solving skills</li><li>Proficiency in Microsoft Excel and PowerPoint, experience with Power BI, SQL, or other data analytical tools is an advantage</li><li>Ability to interpret financial data, identify risk trends, and translate findings into actionable recommendations</li><li>Good understanding of credit risk principles, risk assessment methodologies, and internal control practices</li><li>Strong report-writing, presentation, and stakeholder management skills</li></ul>