???? We're Hiring: Senior Credit Analyst | Direct Lending (Hybrid - TTDI, KL) Are you ready to take your credit career to the next level Join us at Direct Lending , a fast-growing, award-winning fintech on a mission to make simple, safe & affordable financing accessible to every hardworking Malaysian. We're looking for a Senior Credit Analyst to join our expanding Credit team . You'll manage credit risk for our Syariah-compliant digital auto service, vehicle takaful and micro-financing portfolio , work closely with cross-functional teams, and help shape how credit is done in the digital space. ???? Why Join Us Be part of a company that has helped 30,000+ car owners access affordable, Shariah-compliant digital financing Flat, open culture with high growth and career advancement opportunities First-hand exposure to machine learning-powered digital credit models High-impact role where your ideas truly matter Competitive compensation & bonus , EPF, SOCSO, medical benefits Casual dress code, hybrid work , and a cool office next to MRT TTDI (plus pantry snacks + coffee!) ???? What You'll Be Doing: Perform credit assessments on auto service, vehicle takaful and cash financing applications Engage with customers for follow-ups and clarifications Identify risks, challenges, and opportunities-and propose solutions Collaborate with data science, product, and business teams to optimize user experience and portfolio health Be part of a team that makes the final credit decision-real impact, real ownership Required to work 1 weekend per month (replacement leave will be given) ???? What We're Looking For: Min. 2 years' experience in credit assessment or collections (personal loans, EPP, or product financing) Business-minded with strong analytical thinking Highly organized, detail-oriented, and resilient Team player with good communication skills Fluent in English and Bahasa Malaysia Bonus: Experience in SME/business financing If not you, who If not now, when If you&aposre excited about solving real problems, challenging how credit is done, and growing in a mission-driven company- let's chat! Send your CV and a short note to [HIDDEN TEXT] . Only shortlisted candidates will be contacted.d. Show more Show less