Head of Operations– Microfinancing Platform Full Time

Career Horizons; Kuala Lumpur; On-site; MYR 250,000 - 300,000; Full time

Job summary

A leading company in the fintech space is seeking a Product Manager based in Kuala Lumpur to lead product development and operational strategies for microfinance offerings. This role involves managing a multidisciplinary team, ensuring regulatory compliance, and driving product growth. The ideal candidate will have extensive experience in financial services with demonstrated leadership capabilities and a strong analytical mindset.

Qualifications

• Minimum 5 years of relevant experience in fintech or product management.
• Proven expertise in microfinance or related sectors.
• In-depth understanding of Malaysia’s regulatory landscape.

Responsibilities

• Lead the end-to-end product development lifecycle for microfinance offerings.
• Oversee daily operations including loan origination and repayment collection.
• Ensure platform compliance with relevant regulations and risk management.

Skills

Analytical skills

Leadership

Team collaboration

Education

Bachelor’s degree in Business

Master’s degree

Tools

SQL

Power BI

Tableau

Job description

Key Responsibilities
Product Management & Development
Lead the end-to-end product development lifecycle for microfinance offerings on the platform (e.g., microloans, digital payments, financial services).
Collaborate with the technology team to ensure the platform is secure, scalable, and provides an exceptional user experience.
Work closely with the data team to build and enhance credit scoring models and other data-driven decision tools.
Define and manage the product roadmap, prioritizing features based on user feedback, business objectives, and market insights.
Continuously test, iterate, and refine product features to drive user acquisition, engagement, and retention.

Operational Leadership
Oversee daily operations of the platform, including loan origination, disbursement, repayment collection, and recovery.
Design and implement operational strategies to support scale, efficiency, and long-term sustainability.
Lead initiatives to automate and streamline manual processes, minimizing errors and improving turnaround times.
Supervise customer service operations to ensure timely and effective issue resolution.
Collaborate with finance and legal teams to manage operational risk, including credit risk, AML/KYC compliance, and regulatory reporting.

Team Leadership & Cross-Functional Collaboration
Lead and mentor a multidisciplinary team across product, operations, and customer service functions.
Coordinate with marketing, technology, and sales teams to ensure successful product launches and campaigns.
Promote a collaborative, agile, and innovation-driven work culture.

Compliance & Risk Management
Ensure the platform adheres to all relevant financial and data privacy regulations (e.g., P2P lending laws, KYC/AML guidelines).
Work with legal counsel to review and maintain up-to-date legal documents, terms of service, and operational policies.
Develop and enforce comprehensive risk management frameworks addressing loan defaults, fraud, and operational threats.

Strategic Planning & Business Growth
Partner with the executive team to define the strategic vision and align it with product and operational priorities.
Monitor key performance indicators (KPIs) to track platform performance and guide data-driven decisions.
Support fundraising efforts by contributing operational insights and articulating the platform’s scalability and impact potential to investors.

Key Qualifications
-Bachelor’s degree in Business, Finance, Economics, or a related field; Master’s degree is an added advantage.
-Minimum 5 years of relevant experience in fintech, financial services, or product management, with at least 2–3 years in a leadership capacity.
-Proven expertise in microfinance or related sectors such as P2P lending, digital banking, or digital payments.
-In-depth understanding of Malaysia’s regulatory landscape, particularly with respect to KYC/AML and lending frameworks.
-Experience leading cross-functional teams and managing stakeholders across technical, legal, financial, and customer-facing domains.
-Strong analytical skills with a data-driven mindset and a track record of improving operational efficiency.
-Excellent communication and interpersonal skills, with the ability to engage internal teams and external stakeholders effectively.

Desired Skills & Experience
-Familiarity with digital loan origination systems and credit scoring technologies.
-Working knowledge of data analytics tools (e.g., SQL, Power BI, Tableau) and credit risk management platforms.
-Prior involvement in fundraising or investor relations within the fintech sector.
-Solid grasp of growth marketing strategies applicable to financial and digital products.