Hire Purchase Credit Manager

LYVRA; Kuala Lumpur; Vor Ort; MYR 120.000 - 240.000; Vollzeit

Benefits dieser Stelle

New HP products team

Additional country-specific holidays

Birthday off

Flexible working

Health insurance

Fitness initiatives

Well-being coaching

Company laptop

Technical equipment support

Zusammenfassung

LYVRA in Malaysia is seeking a Senior Hire Purchase (HP) product lead responsible for credit development, underwriting policies and lifecycle management across origination through settlement. You will align credit decisions with product design and dealer-to-customer journeys, driving responsible growth.

The role spans underwriting, policy, pricing and operations, requiring collaboration with engineering, operations, marketing and legal to deliver features and automated checks.

Qualifikationen

• 4 to 8 years of hands-on experience in consumer lending, product management or credit risk.
• Deep Hire Purchase product experience including dealer subvention, disbursement governance and customer repayment lifecycles.
• Strong analytical skills to translate complex financial and regulatory requirements into clear product roadmaps.
• Familiarity with modern lending technology, automated credit-underwriting models and data-driven product decisions.
• Experience mentoring junior colleagues and influencing cross-functional stakeholders without direct authority.
• Foreign applicants are not accepted.

Aufgaben

• Create and refine underwriting models and credit policy to maintain healthy portfolio metrics as the portfolio scales.
• Lead product strategy and lifecycle across the end-to-end consumer-lending lifecycle.
• Inform underwriting and pricing strategies by tracking market and trends.
• Ensure compliance with Hire Purchase Act and internal governance standards.
• Streamline origination, underwriting, disbursement and settlement workflows for dealers and customers.
• Collaborate with engineering, operations, marketing and legal to launch product features and automated checks.

Kenntnisse

Hands-on credit risk

Credit policy

Analytical skills

Data-driven decision making

Stakeholder influence

Jobbeschreibung

In consumer hire purchase, opening approvals and preserving portfolio quality have to move together. This role connects those credit decisions with product design and the dealer-to-customer journey, from origination through settlement.

Quick facts

• Company: Southeast Asian SME digital-financing platform
• Reports to: Head of Collection & Credit
• Schedule: Full-time
• Pay: Negotiable.

1. About the role

Join a new team developing new Hire Purchase products. You will lead credit development, scaling and lifecycle management for consumer-financing products, balancing market growth with robust risk controls. The remit brings HP product decisions, underwriting policy and dealer/customer operations into one role.

2. What you'll own

• Credit policy and portfolio health: Create and refine underwriting models, improve approval rates and maintain healthy portfolio metrics as the portfolio scales.
• Product strategy and lifecycle: Work with stakeholders across the end-to-end consumer-lending product lifecycle, keeping product changes aligned with responsible credit growth.
• Market and pricing decisions: Track consumer-lending competitors, emerging trends and product gaps; use that view to inform underwriting and pricing strategies.
• Regulatory and internal controls: Keep consumer-lending products aligned with applicable requirements, including the Hire Purchase Act, and internal governance standards.
• Dealer and customer journey: Streamline origination, credit underwriting, disbursement and settlement, accounting for the workflows that involve both dealers and end consumers.
• Cross-functional delivery: Partner with engineering, operations, marketing and legal to launch product features, automated checks and system enhancements.

3. What we’re looking for

Must-have

• 4 to 8 years of hands-on experience in consumer lending, product management or credit risk.
• Deep, demonstrable Hire Purchase product experience is an absolute prerequisite. You should understand dealer subvention, disbursement governance and customer repayment lifecycles.
• Strong analytical skills and the ability to turn complex financial and regulatory requirements into clear product roadmaps.
• Familiarity with modern lending technology, automated credit-underwriting models and data-driven product decisions.
• Experience mentoring junior colleagues and influencing cross-functional stakeholders without relying on direct authority.
• Foreign applicants are not accepted.

Nice-to-have

• Experience in an alternative financier, fintech or startup, with comfort working through ambiguity and rapid iteration.

4. Why this move

For a professional already grounded in Hire Purchase, the draw may be the chance to connect credit policy with product lifecycle and dealer/end-customer execution. Rather than focusing on a single stage, the role spans underwriting, product changes and operational handoffs.

5. Why Work here

• New Hire Purchase products and a new team: contribute to a developing consumer-financing product scope while working across credit, product and delivery teams.
• Additional observed holidays based on country. Availability varies by country.
• A day off for birthdays and work anniversaries.
• Flexible working to accommodate different working styles and personal lives.
• Health insurance coverage for employees and their dependents.
• Organization-wide fitness initiatives.
• Well-being coaching through partner providers.
• A company laptop.
• Technical support for the equipment and tools needed for the role.

Two to three interview rounds.

Questions worth asking

• Which portfolio outcomes will this role be expected to influence first: approval rates, repayment performance or another measure?
• How are product, credit-policy and dealer-operations decisions shared between this role and the Head of Collection & Credit?
• Which Hire Purchase product features or automated checks are the team prioritizing?

7. About the company

Our client operates a Southeast Asian SME digital-financing platform that connects small and medium-sized businesses with individual and institutional investors. The regional business has supported SMEs since 2015 and offers term loans, trade finance and microloans. Its public regional presence spans Singapore, Indonesia, Malaysia, Thailand and Vietnam.

In Malaysia, the business also offers dealer-distributed consumer Hire Purchase with digital applications and e-KYC, financing of up to 90% and tenure of up to nine years. This role sits in that local consumer-financing context within the broader regional SME platform.