Full Time Lending Operations Analyst Jobs, in Xionex Federal Territory - Maukerja

Lending Operations Analyst

Company: Xionex

Location: Malaysia

Employment Type: Full-time

About the Role

Xionex is looking for a Lending Operations Analyst with strong banking and lending domain knowledge to support the design and transformation of lending operations through AI-native technology.

The role combines lending operations expertise, process analysis, and technology transformation. You will work with banking domain experts, business stakeholders, and technology teams to understand lending processes, identify operational gaps, and translate business requirements into scalable digital and AI-driven solutions.

Key Responsibilities

• Analyse end-to-end lending and loan operations processes, from application and approval through disbursement, servicing, repayment, and closure.
• Provide subject-matter expertise on lending products, processes, documentation, controls, and operational requirements.
• Analyse existing banking workflows and identify opportunities for process optimisation and automation.
• Document business processes, workflows, operational requirements, and business rules.
• Work with product, technology, and AI teams to translate lending processes into functional and system requirements.
• Support the design of AI-native and automated workflows for lending operations.
• Review loan documentation, operational procedures, approval conditions, and transaction requirements to identify process dependencies and exceptions.
• Analyse operational issues, exceptions, and process bottlenecks and recommend improvements.
• Support user acceptance testing, process validation, and implementation of new lending solutions.
• Work with stakeholders to validate that automated workflows accurately reflect banking policies and operational practices.
• Develop process maps, business requirements, use cases, and functional specifications.
• Support the development and refinement of AI agents and automation workflows for lending operations.
• Identify opportunities to improve straight-through processing, operational efficiency, controls, and data quality.
• Stay informed on developments in lending operations, digital banking, AI, and financial services technology.

Requirements

• Bachelor's Degree in Banking, Finance, Accounting, Business, or a related discipline.
• 3–7 years of experience in lending operations, loan operations, credit administration, banking operations, or a similar banking function.
• Strong understanding of lending and loan servicing processes.
• Experience with corporate, commercial, retail, or syndicated lending operations.
• Strong knowledge of loan documentation, drawdowns, repayments, interest, fees, facility limits, and loan servicing activities.
• Ability to understand complex banking processes and translate them into clear workflows and requirements.
• Strong analytical and problem-solving skills.
• Excellent attention to detail.
• Good communication and stakeholder management skills.
• Comfortable working with technology and digital transformation teams.
• Proficiency in Microsoft Excel and process documentation tools.

Preferred Experience

• Experience working in an international or multinational bank.
• Experience with corporate or commercial lending.
• Experience with syndicated loan or agency operations.
• Experience with loan management or core banking systems.
• Business analysis or process improvement experience.
• Exposure to workflow automation, RPA, AI, or digital transformation projects.
• Experience participating in UAT, system implementation, or banking technology projects.
• Knowledge of KYC/AML, credit, risk, and regulatory requirements.

What We Look For

• Banking domain expertise — understands how lending operations actually work.
• Process mindset — able to break complex banking processes into structured workflows.
• Technology curiosity — comfortable working with AI and emerging technology.
• Analytical thinking — able to identify inefficiencies, exceptions, and opportunities for automation.
• Business-to-technology translation — able to communicate operational requirements clearly to technology teams.

Why Join Xionex?

• Work at the intersection of banking, AI, and automation.
• Help transform traditional lending operations into intelligent, AI-native workflows.
• Work directly with banking and technology specialists.
• Gain exposure to Agentic AI and intelligent process automation.
• Contribute to solutions designed for real-world banking and financial services operations.