Credit Ops Analyst

Selangor, Malaysia

Job Family Group:

Finance

Worker Type:

Regular (FTC) (Fixed Term)

Posting Start Date:

February 5, 2026

Business Unit:

Finance

Experience Level:

Early Careers

Job Description:

Where do you fit in?

The Credit department is responsible for managing risks that arise from sales with 3rd party customers. Key objective is to assess the creditworthiness of customers, informed by industry, sovereign and external market intelligence, and decide the credit terms that may be extended as part of the sale. The department aims to support the delivery of business objectives through risk & value based decision making consistent with Business Risk Appetite, World Class People and Process with active management of risk and exposures. In doing so, the organisation, is accountable to approve credit exposures and manage them through active monitoring of customers' performance and behavior to ensure that they continue to meet their obligations under these agreements.

What's the role?

Job Description

Typically:

• Drives daily operational excellence for the designated credit sub-process (e.g.: Credit Vetting, Debt Collection & Recovery, Cash Application & Allocation)

• Responsible for managing/performing operations of designated credit sub process

• Identify and flag improvement opportunities and, after consultation with the subject matter and process experts, lead or participate in process improvement initiatives in the designated sub process and portfolios in collaboration with subject matter experts and process experts

• Stakeholders include Account Managers, supporting functions for assigned portfolio/business

• Responsible for performing Credit activities for Shell operating units under Credit Operations East for Malaysia / Indonesia / Singapore operating unit.

• This role is to assist in the coordination and control of the activities delivered by the team achieving excellence in performance

• Supports the Risk & Operations Manager by providing insights and identified gaps based on day to day activity to ensure Credit Strategy remain relevant

• Attends call as representative from COC and prepares as well as presents the monthly OCC pack

• Responsible in providing commentaries for Credit Performance on monthly metrics

• Responsible for ensuring that customer debt collection/ risk management are in line with contracted payment terms and in accordance with Downstream Credit Manual, OCM standards & SOX controls.

• Adhere to the escalation process in carrying out the Credit activities

• Responsible for managing release of credit blocked orders within the agreed SLA and as per MoA

• Maintain and foster good working relationships with Sales, the business and with relevant FO business partners.

• Perform dispute initiation and monitoring of resolution in accordance with the defined SLA

• Handle customer queries as well as that of the Customer Service Center

• Coordinate with Sales and the business account reviews on assigned portfolios

• Monitor Accounts Receivables, Investigate & Resolve Customer Complaint.

• Investigate payment discrepancy reason if the customer fails to provide it in their remittance data.

• Participate in the review of quarterly bad debt provisioning

• Possibly conduct customer visit Recommend for credit line increase/decrease/revocation

• Contribute ideas on process enhancements/improvement

• Keep up-to-date on issues within the businesses by having close relationships with the sales managers and reading information from industry sources

• Actively support the Cluster Risk Manager, the Business as well as other stakeholders in any credit issues

• Actively provide support to the supervisors/regional/cluster/country Credit Manager as required

• Work closely with Credit Assessment team to ensure securities are monitored and reviewed accordingly

• Controls are operated effectively and on timely manner with proper understanding

• Suggest improvements and identify gaps within the Credit Operation activities

• Assist and escalate issues to Senior Credit Analyst and Senior Team Manager on timely manner

• Responsible for identifying when accounts may require legal intervention e.g. If customer files for bankruptcy

• Carry out and completes any assignment assigned by the supervisors on timely manner 

Businesses covered: Mobility & Lubricants business supporting the SEA Cluster

What we need from you?

Role Validity: This is a full time contract role for 1 year period.

Qualifications

• Degree in Accounting or any related Finance/Business course

• Fresh graduates are welcome to apply; 1–2 years of work experience is an advantage.

• Candidates must be amenable to a 1 year contract role.

What we offer

You bring your skills and experience to Shell and in return you work with talented, committed people on one of the most important challenges facing our planet. You’ll have the opportunity to develop the skills you need to grow in an environment where we value honesty, integrity, and respect for one another. You’ll be able to balance your priorities as you become the best version of yourself.

• Progress as a person as we work on the energy transition together.

• Continuously grow the transferable skills you need to get ahead.

• Work at the forefront of technology, trends, and practices.

• Collaborate with experienced colleagues with unique expertise.

• Achieve your balance in a values-led culture that encourages you to be the best version of yourself.

• Benefit from flexible working hours, and the possibility of remote/mobile working.

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