Manager, Credit Risk Policy

TNG Digital

Kuala Lumpur

On-site

MYR 240,000 - 360,000

Full time

13 days ago

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Benefits offered by this job

Medical coverage

Lifestyle allowance via eWallet

Mobile/broadband reimbursement

Family leave

Job summary

TNG Digital, part of the TNG Digital Group, is seeking a Manager, Risk Policy to design and continuously enhance credit and risk policies across the digital lending lifecycle. You will work with Risk, Product and Tech to implement scalable policies that align with regulatory requirements and growth objectives.

The role emphasizes data-driven policy optimisation, governance, and collaboration with cross-functional teams to drive profitable and responsible lending.

Qualifications

Experience designing and implementing credit policies
Strong risk governance and regulatory awareness
Ability to translate risk insights into actionable policies
Proven track record in portfolio performance management

Responsibilities

Develop end-to-end credit risk policies across underwriting, limits, pricing and collections
Translate risk appetite into policy thresholds and decision rules
Monitor portfolio performance and adjust policies based on data insights
Embed policies into systems, rule engines, and operational workflows
Ensure regulatory compliance with BNМ and responsible lending principles
Lead stakeholder engagement with Risk, Business and Tech teams

Skills

Credit risk policy

Risk strategy

Portfolio management

Data analysis

Education

Finance, Economics, Business, Statistics

FRM/CFA advantageous

Tools

SQL

Excel

Python

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.

Role Overview:

The Manager, Risk Policy is responsible for designing, implementing, and continuously enhancing credit and risk policies that govern the digital lending lifecycle. Reporting to the Head, Financial Risk, this role ensures that lending practices are aligned with risk appetite, regulatory requirements, and portfolio performance objectives.

The role bridges risk strategy, business growth, and operational execution, translating risk insights into practical policies across underwriting, portfolio management, and collections. The incumbent will also play a critical role in policy optimisation using data analytics and AI-driven insights, ensuring scalable and sustainable lending growth.

What You’ll Do:

Develop and maintain end-to-end credit risk policies, covering:
Customer eligibility and underwriting criteria
Credit limits, pricing, and approval rules
Collections and recovery strategies
Ensure policies are clearly documented, structured, and consistently applied across the business
Establish governance processes for policy approval, review, and change management

2. Risk Strategy & Portfolio Management

Translate risk appetite into actionable policy thresholds and decision rules
Monitor portfolio performance and recommend policy adjustments to:
- Manage delinquency and default trends
- Partner with Risk Modeler and Risk Analytics teams to ensure policy reflects model outputs and insights
Leverage data analytics and model outputs to:
- Identify opportunities to enhance approval strategy and pricing
- Improve credit quality and profitability
Work with Data Science and Product teams to embed:
- Continuously test and refine policies through experimentation (e.g., champion/challenger approaches)

4. Implementation & Operational Alignment

Translate policies into executable rules within systems and operational workflows
Work closely with:
- Operations (verification, call centre, collections)
- Product and Technology (rule engines, system configuration)
Ensure policies are:
- Operationally feasible
- Clearly understood by execution teams
Support rollout of new products or changes in lending strategies

5. Risk Governance & Regulatory Compliance

Ensure compliance with:
- Bank Negara Malaysia (BNM) regulatory expectations
- Responsible lending practices and fair treatment of customers
- Internal risk governance frameworks
Support internal audits, regulatory reviews, and policy documentation requirements
Maintain audit-ready documentation, including policy rationale, changes, and impact assessments

6. Collections & Recovery Policy Oversight

Define strategy and policy for collections across delinquency stages
Ensure alignment between:
- Customer fairness principles
- Regulatory expectations
Optimise recovery outcomes through segmentation and strategy differentiation

7. Stakeholder Management & Advisory

Act as a key advisor to:
- Business and Product teams on risk implications of growth strategies
- Operations teams on policy interpretation and execution
Facilitate alignment between Risk, Business, and Technology on policy changes
Communicate policy changes clearly to stakeholders, including rationale and expected impact

Role Requirements:

Education

Finance, Economics, Business, Statistics, or related disciplines
Professional certifications (e.g., FRM, CFA) are an advantage

Experience

6–10+ years of experience in:
Credit risk policy, risk strategy, or portfolio management
Banking, digital lending, or FinTech environment
Proven track record in:
Designing and implementing credit policies
Managing portfolio performance and risk trade-offs
Familiarity with Malaysian regulatory landscape (BNM) and responsible lending principles

Technical & Functional Skills