Senior Credit Analyst – Trade Credit Insurance

About the role

Coface is looking for a dynamic, results-driven Senior Credit Analyst to join its trade credit insurance team in Kuala Lumpur, Malaysia, reporting to the Country Manager. The role assesses debtor risks and keeps the debtor portfolio up to date, liaising with underwriters so that the debtor risk assessment (DRA) matches the actual risk exposure.

Key responsibilities

• Gather company information through research, phone interviews and field visits to update financial, business and credit data.
• Review source information scores and validate credit ratings (DRA) in line with group delegation rules.
• Maintain debtor shareholding structures in the system and manage a portfolio of debtors, especially large exposures and sensitive files.
• Take part in buyer calls and buyer visits, and oversee the quality of assessments by other team members.
• Review suspicious fraud files and prepare pre-fraud analyses for the anti-fraud officers.
• Negotiate information contracts with suppliers and manage outsourced country tasks to the back office.
• Prioritise worklists and processes, respect SLAs and take remedial action when needed.
• Communicate adverse information to underwriters, report to the regional team and handle complaints as an expert for the company.
• Ensure compliance with Coface regulations and external regulator requirements.

Required profile

• University degree in Finance, Business, Economics, Banking or equivalent.
• At least 5 years of experience in credit risk analysis (banking, financial services or credit department).
• Prior experience in trade credit insurance or other financial industries and in a multicultural, international environment is a plus.

Required skills

• Reading and interpreting audited, management and draft accounts, including balance sheets, profit and loss statements and cash flow statements, and calculating key accounting ratios.
• Understanding of company law, accounting principles, legal group structures and banking products.
• Credit or business research skills, strong communication and presentation skills.

What we offer

• Flexible working model after the first month, with a hybrid setup.
• A central, modern office.
• Annual budget for training, languages, e-learning and a dedicated development programme.
• Career opportunities locally and internationally within a large global company.