Manager / Senior Manager, Hire Purchase Credit

Hconnect; Kuala Lumpur; On-site; MYR 120,000 - 240,000; Full time

Benefits offered by this job

Flexible vacations

Flexible working

Medical benefits

Mental health initiatives

Tech equipment provided

Job summary

Hconnect in Malaysia (Kuala Lumpur) seeks a Manager/Senior Manager of Consumer Lending Products to lead the credit development, scaling, and lifecycle management of HP lending solutions. This role blends aggressive growth with robust credit risk controls and regulatory compliance.

You will collaborate with engineering, operations, marketing, and legal to launch features, optimize underwriting, and drive portfolio performance.

Qualifications

• 4–8 years of hands-on experience in consumer lending, product management, or credit risk.

Responsibilities

• Risk & Policy development: Create underwriting models and optimize approval rates.
• Product Strategy & Lifecycle Management: Lead end-to-end lifecycle for consumer lending products, with focus on portfolio growth.
• Market & Competitor Analysis: Monitor lending landscape to refine models, pricing, and product gaps.
• Regulatory Compliance: Ensure adherence to Hire Purchase Act and internal governance.

Skills

Consumer lending

Hire Purchase (HP)

Credit risk management

Product strategy

Leadership

Job description

Job Overview And Responsibility

We are seeking a highly motivated and strategic Manager / Senior Manager of Consumer Lending Products to lead the credit development, scaling, and lifecycle management of our consumer financing solutions. In this role, you will be the driving force behind our consumer lending products inclusive of hire purchase offerings, balancing aggressive market growth with robust credit risk management.

The ideal candidate thrives in a fast-paced environment, brings deep subject matter expertise in consumer lending and hire purchase facilities, and has a proven track record of innovating consumer lending products outside of traditional banking structures.

What will you do:

• Risk & Policy development: Creating and refining underwriting models, optimizing approval rates, and maintain healthy portfolio metrics.
• Product Strategy & Lifecycle Management: Collaborate closely with relevant stakeholders on end-to-end product lifecycle for consumer lending products, with a primary focus on balancing credit scaling of the portfolio.
• Market & Competitor Analysis: Continuously monitor the consumer lending landscape to refine underwriting models, identify emerging trends, pricing strategies, and product gaps.
• Regulatory Compliance: Ensure all consumer lending products strictly adhere to relevant regulatory frameworks, including the Hire Purchase Act and internal governance standards.
• Process Optimization: Streamline origination, credit underwriting, disbursement, and settlement processes, specifically addressing the unique operational workflows involving dealers and end-consumers.
• Cross-Functional Leadership: Work seamlessly with engineering, operations, marketing, and legal teams to launch new features, automated checks, and system enhancements.

Required Skills and Experience

Experience: 4 to 8 years of hands-on experience in consumer lending, product management, or credit risk.

Core Expertise: Deep, demonstrable experience working specifically with Hire Purchase (HP) products is an absolute prerequisite. You must understand the mechanics of dealer subvention, disbursement governance, and customer repayment lifecycles.

Execution & Delivery: Strong analytical skills with the ability to translate complex financial and regulatory requirements into clear product roadmaps.

Technical Acumen: Familiarity with modern lending tech stacks, automated credit underwriting models, and data-driven product decision-making.

Leadership: Proven ability to mentor junior team members and influence cross-functional stakeholders without direct authority.

Why Candidate should apply this position

• Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries.
• Flexible working - We believe in giving back the control of work & life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life.
• Medical benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their backs for their loved ones too.
• Mental health and wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we organize org-wide fitness initiatives and engage partners to provide well-being coaching.
• Tech support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity.

Prefer if candidate have

Background: Prior experience working in an alternative financier, fintech, or startup environment is highly preferred. We are looking for builders who are comfortable with ambiguity and rapid iteration.