Personal Loan Product Lead

RinggitPlus; Kuala Lumpur; On-site; MYR 120,000 - 150,000; Full time

Job summary

A leading financial aggregator in Kuala Lumpur is looking for a strategic individual to own the P&L of their unsecured financing segment. The role involves driving growth, overseeing performance, and leading product launches. Ideal candidates will have over 4 years of B2C experience, strong commercial acumen, and the ability to collaborate across teams. This position offers an exciting opportunity to shape the future of financing for millions of Malaysians.

Qualifications

• 4+ years in B2C products/services, preferably in financial services.
• Strong understanding of unit economics on consumer and industry sides.
• Ability to analyze data to evaluate business performance.

Responsibilities

• Define and achieve KPIs and long-term strategy for the Unsecured Financing business.
• Oversee financial performance and resolve P&L issues.
• Lead the creation, launch, and scaling of new web products.

Skills

B2C products/services experience

P&L ownership

Analytical skills

Business scaling

Team collaboration

Strategic thinking

Telemarketing expertise

Job description

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?

Position Overview

• 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

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.

Benefits

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