Personal Loan Product Lead

RinggitPlus; Kuala Lumpur; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading financial aggregator in Malaysia seeks a Personal Loan Product Lead to drive strategic growth in the unsecured financing sector. This role involves owning the P&L, achieving ambitious growth targets, and collaborating with various teams to enhance customer experiences. The ideal candidate has over 4 years of B2C experience in financial services, strong analytical skills, and a proven track record in scaling products. Join us to revolutionize financing in Malaysia.

Qualifications

• 4+ years in B2C products/services, preferably in financial services.
• Strong understanding of P&L and unit economics.
• Proven ability to scale products/services 10x.
• Familiarity with credit risk/portfolio management frameworks is a plus.

Responsibilities

• Define KPIs and long-term strategy for the Unsecured Financing business.
• Oversee financial performance and resolve P&L issues.
• Lead creation and scaling of new web products.
• Collaborate with Marketing and Operations for customer experience.

Skills

B2C product experience

Commercial acumen

Analytical skills

Business scaling

Team collaboration

Strategic thinking

Credit risk knowledge

Telemarketing expertise

Job description

About RinggitPlus

At RinggitPlus, we’re making financing fast, easy, and fair for Malaysians—no long forms, endless waits, or shady deals. We’re revolutionising how millions research, apply, and get approved for unsecured financing, leveraging digital disruption in credit decisioning.

Ready to transform Malaysia’s financing market and grow a USD2M business to USD20M in three years?

Personal Loan Product Lead

As Personal Loan Product Lead, you’ll:

• Own the P&L of a key business line at Malaysia’s largest financial aggregator
• Drive strategic growth with sharp commercial and analytical skills
• Scale the business 10x, collaborating with teams to hit bold targets
• Shape the future of financing for millions

Join the Chief Commercial Officer in making a lasting impact. Apply now! 🚀

Responsibilities

• Define and achieve short-term KPIs and long-term strategy for the Unsecured Financing business.
• Oversee financial performance, pinpoint growth opportunities, and resolve P&L issues.
• Lead the creation, launch, and scaling of new web products and services for consumers and clients.
• Report product and financial performance to senior management.
• Collaborate with Data Science to build credit and segment models for industry and individual trends.
• Partner with the Product team to enhance the consumer experience in researching and applying for financing.
• Work with Marketing to target the right products to the right audiences.
• Coordinate with Operations to ensure customers receive the best-suited financing products.
• Align with Sales to meet client goals and maintain RinggitPlus as the market leader in unsecured financing.
• Unite all teams to deliver seamless customer experiences and top-tier service.

Qualifications

• Experience: 4+ years in B2C products/services, preferably in financial services (banking/insurance).
• Commercial Acumen: Own P&L and product/business lines, with strong understanding of unit economics on consumer (marketing) and industry (sales) sides. Build win-win growth with key partners/clients.
• Analytical Skills: Solve problems and analyze data to evaluate business performance effectively.
• Business Scaling: Proven ability to develop and launch new products/services or grow existing business lines 10x.
• Team Collaboration: Work closely with operational teams to achieve monthly targets and long-term product vision.
• Strategic Thinking: Plan multiple steps ahead to deliver value to stakeholders and shape the unsecured financing industry.
• Ambition: Drive industry-changing impact, not just meet KPIs.
• Commitment: Stay dedicated through challenges to achieve the shared vision for unsecured financing in Malaysia.
• Credit Risk Knowledge: Familiarity with credit risk/portfolio management frameworks and analytical techniques is a plus.
• Telemarketing Expertise: Experience driving telesales outcomes through targets, incentives, motivation, and performance management is highly desirable and will strengthen your application.

Why Join Us?

Jirnexu’s mission is to help consumers get access to financial products, anytime, anywhere. We’re the team behind RinggitPlus, Malaysia’s leading financial comparison website.

Besides the core business, Jirnexu’s rapidly growing digital services arm offers clients a holistic digital marketing solution, covering traditional advertising, digital performance, and branded content.

Our teams are made up of the most knowledgeable, passionate, and creative people in our business. Join us and have fun, learn a ton, and get paid well for it.

Ready For The Challenge?

Revolutionising Personal Loans: Unleash Your Financial Future. Write to us [e-mail]