Head of Credit

Boost; Kuala Lumpur; On-site; MYR 180,000 - 250,000; Full time

Job summary

A leading fintech company in Kuala Lumpur seeks a Head of Credit to design and manage its consumer credit strategy. The candidate will blend deep expertise in consumer credit with advanced analytics and machine learning to effectively scale the lending portfolio. Responsibilities include defining credit strategies, collaborating with data science teams, and establishing credit policies. The ideal candidate will have extensive experience in consumer credit analytics, especially within fintech or digital banking environments.

Qualifications

• 10-15+ years in consumer credit or lending analytics.
• Strong experience with AI/ML-based and alternative credit models.
• Fintech or digital bank experience preferred.

Responsibilities

• Define and own end-to-end consumer credit strategy across all products.
• Collaborate with Data Science teams to implement machine learning models.
• Establish credit policies and underwriting frameworks.

Skills

Consumer credit expertise

Advanced analytics

Machine learning

Statistical analysis

Stakeholder management

Education

BSc, MBA in Business, Management, Finance, or Investment

Job description

The Head of Credit will be responsible for designing, owning, and continuously evolving Boost’s consumer credit strategy, with a strong emphasis on a blend of traditional personal score cards in addition to data-driven, AI-enabled, and alternative credit assessment frameworks.

The successful candidate will blend deep consumer credit expertise with consumer credit knowledge, advanced analytics and machine learning, to responsibly scale Boost’s consumer lending portfolio

Responsibilities

Credit Strategy & Portfolio Ownership

• Define and own end-to-end consumer credit strategy across all Boost consumer lending products.
• Balance growth, risk, profitability, and customer inclusion.
• Recommend risk appetite, underwriting standards, pricing frameworks,
• Drive optimization of approval rates, loss curves, and portfolio performance.

Advanced Credit Modelling & AI

• Collaborate with the Data Science and Engineering teams to implement and fine tune machine learning–based credit models.
• Deploy alternative credit scoring and behavioral models.
• Ensure model explainability, robustness, and governance.

Credit Policy, Governance & Controls

• Establish credit policies and underwriting frameworks.
• Ensure strong model risk management and validation.
• Engage regulators and present to Board and Management.

Product & Business Partnership

• Partner with Product and Business teams on new launches.
• Translate analytical insights into commercial decisions.

Leadership & Capability Building

• Build and lead a high-performing credit and analytics team.
• Foster a culture of evidence-based decision-making.

Required Experience:

• BSc, MBA Business, Management, Finance, Investment
• Bachelor’s degree required; advanced degree preferred.
• Top-tier university background strongly preferred.
• 10 - 15+ years in consumer credit or lending analytics.
• Strong experience with AI/ML-based and alternative credit models.
• Fintech or digital bank experience preferred.

Technical & Analytical Skills

• Strong grounding in statistics and machine learning.
• Ability to engage deeply with data science teams.
• Strong understanding of credit lifecycle and loss dynamics.

Personal Attributes

• High intellectual rigor and analytical depth.
• Strong commercial judgment
• Excellent communication and stakeholder management skills.