Analyst, Risk Policy, Portfolio Management & Risk MIS

TNG Digital; Kuala Lumpur; On-site; MYR 18,000 - 26,000; Full time

Benefits offered by this job

Medical coverage (with dependants)

Extra leave for family and caregiving

Monthly lifestyle allowance via TNG eW

Long-term rewards for contributions

Mobile and broadband reimbursement

Discounts and wellness perks

Job summary

TNG Digital in Malaysia is seeking a data analyst to support credit policy, provisioning, and portfolio management for lending products. You will analyze data, prepare reporting packs, and validate inputs for IFRS 9 computations, while contributing to policy development and audit readiness.

Fresh graduates with strong analytical ability are encouraged to apply. The role offers exposure to modeling, dashboards in Power BI, and close collaboration with Finance, Product, Technology and Compliance.

Qualifications

• Degree in a quantitative or business discipline with strong data handling and analysis ability.
• Zero to three years of relevant experience; fresh grads encouraged.
• Strong Excel skills and working knowledge of SQL for data extraction and reconciliation.
• Familiarity with Python, R or SAS is a plus; exposure to BI tools like Power BI/Tableau is beneficial.
• Interest in consumer lending, credit risk, and financial reporting; detail-oriented and audit-aware.

Responsibilities

• Produce periodic portfolio monitoring and management information packs (volume, approval, delinquency, roll rate, vintage, write-off).
• Extract, reconcile, and validate data from source systems; escalate data quality issues with evidence.
• Maintain and enhance reporting templates, dashboards, and automated data routines.
• Track portfolio KPIs against thresholds and flag breaches for review.
• Prepare inputs for IFRS 9 expected credit loss computations and related schedules.
• Support provisioning computations and external audit schedules.
• Assist in credit loss forecasts and budget inputs; maintain provisioning files and documentation.
• Maintain documentation and version control for audit/regulatory review.

Skills

Quantitative analysis

Attention to detail

Documentation discipline

Communication skills

Stakeholder collaboration

Education

Bachelor’s degree in Mathematics / Statistics / Economics / Finance / Data Science

Tools

SQL

Python

R

SAS

Power BI

Tableau

Job description

At TNG Digital, part of TNG Digital Group, we build the tech behind TNG eWallet, one of Malaysia’s most used apps for payments and everyday life.

Millions of people rely on us daily, not just to pay, but to manage money, access financial services, and get things done faster and simpler.

Behind it all is a team that likes to question how things are done, move quickly, and try new ideas. If you enjoy solving real problems and seeing your work used at scale, you will feel right at home here.

What You'll Do:

• Produce the periodic portfolio monitoring and management information packs across lending products and bank partner programmes, including volume, approval, delinquency, roll rate, vintage, write-off and recovery reporting.
• Extract, reconcile and validate data from source systems and partner files, investigate discrepancies, and **escalate** data quality issues with supporting evidence.
• Maintain and enhance reporting templates, dashboards and automated data routines to improve accuracy, consistency and turnaround time.
• Track portfolio key performance indicators against agreed thresholds and early warning triggers, and flag breaches to the Manager and Head for assessment.
• Prepare and validate the data inputs required for the periodic MFRS 9 (IFRS 9) expected credit loss computation, including exposure, staging and performance data.
• Support the execution of the provision computation and the preparation of supporting schedules and reconciliations for Finance and external audit.
• Assist in the preparation of credit loss forecasts and budget inputs, including variance analysis of actual against forecast performance.
• Maintain provisioning working files, documentation and version control to a standard that withstands audit and regulatory review.

Credit Policy & Procedure Support

• Assist in the drafting, formatting, review and version control of credit policies, procedures and standards, and maintain the policy document register and approval records.
• Prepare supporting analysis for policy change proposals, including quantification of expected impact on volume, asset quality and approval rates.
• Monitor policy adherence, exceptions and overrides, and compile exception reporting for management and committee review.
• Produce periodic model and scorecard performance monitoring packs, including discriminatory power, stability and calibration metrics such as Gini, KS and PSI.
• Maintain the model inventory, monitoring calendar and supporting documentation, and track validation findings and remediation actions to closure.

Project & System Support

• Provide analytical and documentation support to the build of the new lending entity, including credit policy, procedure, provisioning and portfolio management workstreams.
• Support the preparation of business requirements, test scenarios and user acceptance testing for the loan origination and loan management systems, and document test results and defects.
• Support data mapping, reconciliation and parallel run activities arising from system implementation and migration.

Role Requirements:

• Good university degree in a quantitative or business discipline (e.g. Mathematics, Statistics, Actuarial Science, Data Science, Accounting, Finance, Economics or related field), with a clear ability for handling data and performing quantitative analysis.
• Zero to three years of relevant working experience. Fresh graduates with strong analytical ability, relevant internship experience or related project work are encouraged to apply.
• Strong Excel skills, and working knowledge of SQL for data extraction and reconciliation.
• Familiarity with statistical or programming tools such as Python, R or SAS will be an added advantage.
• Exposure to BI and reporting tools such as Power BI or Tableau will be an added advantage.
• Interest in consumer lending and credit risk, and a willingness to build knowledge of credit policy, portfolio management, impairment provisioning and scorecards.
• Strong attention to detail and documentation discipline, with an understanding that work produced supports financial reporting, regulatory submissions and audit.
• Ability to organise and prioritise multiple recurring deliverables and meet reporting deadlines without compromising accuracy.
• Good written and verbal communication skills, and the ability to work with stakeholders across Finance, Product, Technology and Compliance.
• Comfortable using analytical and productivity tools, including approved artificial intelligence tools, to improve the efficiency and quality of work, while retaining ownership of and accountability for the output.
• Prior exposure to consumer lending, credit risk, financial reporting or regulated financial services will be an added advantage.

What you get

Work your way

• Medical coverage, with option to include dependants
• Extra leave for family and caregiving needs

Rewards that grow with you

• Monthly lifestyle allowance via TNG eWallet
• Long-term rewards for your contributions

Everyday support

• Mobile and broadband reimbursement
• Discounts and wellness perks

What it’s like to work here

We care about people who take ownership, speak up, and want to make things better. Titles matter less than impact. Good ideas can come from anyone.

You will be working with people who are curious, practical, and not afraid to challenge each other in a good way.

Note: Only shortlisted candidates will be contacted.