Loan Channeling Specialist

Get To Know The GXBank Team

GX Bank Berhad - the Grab-led Digital Bank - is the FIRST digital bank in Malaysia, approved by BNM to commence operations. We aim to leverage technology and innovation to serve the financial needs of the unserved and underserved individuals, and micro and small medium enterprises. We are driven by our shared purpose and passion to bring positive transformation to the banking industry, starting with solutions that address the financial struggles of Malaysians and businesses.

Get To Know The Role

• Partner Relationship Management:
• Support the Head of Channels to identify, onboard and build strong, long-term relationships with new and existing channeling partners..
• Maintain regular communication, understand partner needs, and provide necessary support to ensure their success in loan origination and disbursement.
• Keep partners engaged and motivated through incentives, recognition, and training.
• Manage end-to-end interaction with partners, including due diligence, approval processes, reporting, and problem-solving to secure larger monthly disbursement volumes.
• Sales Strategy Development & Execution:
• Execute strategies to increase loan channeling volume through partners.
• Implement sales targets for partners, aligning them with the company's overall lending goals.
• Support the Head of Channels to develop comprehensive sales plans tailored to each partner's strengths and market conditions.
• Collaborate with internal teams (e.g., product development, operations, risk, finance) to ensure seamless loan processing, compliance, and support for partners.
• Performance Monitoring & Analysis:
• Continuously monitor the performance of channeling partners, tracking loan disbursement figures, analyzing performance metrics, and identifying areas for improvement.
• Conduct regular performance reviews and analyze market data to identify opportunities and threats, adapting strategies accordingly.
• Ensure compliance with regulatory requirements and internal policies throughout the loan channeling process.
• Training and Development:
• Ensure partners are well-versed in the company's loan products, services, and policies.
• Organize training sessions and provide educational materials to partners, covering product knowledge, selling techniques, and customer engagement strategies.
• Conflict Resolution and Problem Solving:
• Identify and resolve conflicts between the bank and its partners, actively listening to concerns and finding mutually beneficial solutions.
• Streamline issue escalation and gather support from relevant stakeholders to maintain partners' confidence levels.
• Market Research and Product Alignment:
• Stay informed about industry trends, regulatory changes, and competitor offerings in the loan channeling space.
• Provide market and analytical insights to the business, influencing strategic decisions and identifying new opportunities.
• Proactively engage with partners to align product design with channel and client needs.
  

The Must Haves

Qualifications

• Bachelor’s Degree in Finance/Accounting/related field.
• At least 2 to 3 years of hand-on experience in credit processing within Financial services.
• Good communication skills in English and Bahasa Malaysia; proficiency in additional languages is a plus.
• Proven ability to write compelling credit proposals in English.
• In-depth knowledge of banking products and services, with strong interpersonal skills to engage across all levels.
• Highly motivated, sales driven and willing to travel.
  
  

Key Skills

• Relationship Management: Proven ability to build and maintain strong, trust-based relationships with external partners.
• Sales and Negotiation Skills: Familiar with sales techniques, target setting, and negotiating terms beneficial for both the company and its partners.
• Strategic Thinking: Ability to understand market trends, identify opportunities, and develop long-term plans that align with business objectives.
• Financial & Credit Acumen: Solid understanding of loan products, lending processes, credit analysis, risk assessment, and financial regulations.
• Communication Skills: Excellent verbal and written communication, presentation, and interpersonal skills to effectively engage with diverse stakeholders.
• Analytical Skills: Ability to analyze data, interpret performance metrics, and make data-driven decisions.