Credit Manager (English speaking only)

Job Responsibilities:

• Responsible for credit approval for used car hire purchase financing, comprehensively assessing the borrower's repayment ability, credit history and collateral value, and formulating credit proposals based on risk evaluation results.

• Perform in-depth analysis of bank statements, tax records, NCB credit reports, etc., to evaluate income stability and repayment capacity; review vehicle appraisal reports to verify valuation reasonableness, residual value stability and adequacy of collateral security.

• Identify and block fraud risks by verifying the authenticity of applicant and vehicle information through internal systems, credit checks, telephone verification, third-party data platforms and other channels.

• Participate in dealer onboarding and tiering management strategies, identify high-risk dealers and improve the quality of dealer loan submissions.

• Establish, revise, and optimize credit reviewing SOPs, operation manuals and review standards; analyze process bottlenecks and propose improvement plans to enhance approval efficiency; design and optimize working papers, risk rating benchmarks, investigation report templates and other tools.

• Regularly monitor the risk performance of the loan portfolio, identify early warning signals of delinquency and non-performing loans, and put forward recommendations for risk disposition or credit policy adjustments.

• Comply with internal credit policies, compliance requirements and external regulations; cooperate with audit inspections and supervise the team to maintain complete and standardized credit files.

• Collaborate with sales, post-loan monitoring & collections, legal, product and other teams to provide professional credit review insights and recommendations on anti-fraud measures and problem loans.

• Continuously track trends in Thailand's auto finance industry, used and new energy vehicle market dynamics, regulatory changes and emerging fraud tactics, and adjust credit review strategies in a timely manner.

Job Requirements:

The ideal candidates we are looking for should be experience Credit Manager with:

• Bachelor’s degree or above in Finance, Accounting, Economics, Business Administration or related fields; candidates with extensive relevant work experience may be considered flexibly.

• Minimum of 5 years of credit approval experience within a bank, financial leasing company, or comparable financial institution.

• Proficient in corporate or retail credit risk assessment and financial analysis, with sound knowledge of auto loan risk identification.

• Strong analytical and judgment skills, with the ability to independently make sound and prudent credit decisions on complex and high-risk cases.

• Strong professional ethics, compliance awareness and integrity.

• Proficient in office software and common financial analysis tools; prior experience with credit review systems is preferred.

• Excellent written and verbal communication skills in English