Risk Intern

Ryt Bank; Malaysia; On-site; MYR 20,088 - 26,784; Full time

Job summary

Ryt Bank, a licensed Malaysian digital bank, invites undergraduates to join its Risk Internship across two tracks. You will work on real deliverables, gaining exposure to how risk is managed, measured, and communicated in a fast-moving financial institution.

Track 1 focuses on quantitative risk using data, models, and dashboards; Track 2 focuses on qualitative risk, process reviews, and root-cause analysis.

Qualifications

• Undergraduate students in relevant fields, eager to learn practical risk analytics.
• Strong analytical mindset with attention to detail.
• Comfort with real-world data and statistics.

Responsibilities

• Analyze data across risk domains to surface signals before they escalate.
• Support development and testing of analytical models for credit, fraud, and financial crime.
• Build dashboards and run scenario analyses to monitor risk exposure.

Skills

Python

R

SQL

Education

Undergraduate programs in Statistics, Mathematics, Actuarial Science, Computer Science, Data Science, Finance, or Engineering

Job description

## Risk InternApplytime type: Full timeposted on: Posted Todaytime left to apply: End Date: June 21, 2026 (11 days left to apply)job requisition id: JR00000580**About the Role**Join the Risk team at Ryt Bank, a licensed Malaysian digital bank in active commercial operations. You will work alongside experienced risk professionals on real deliverables, gaining exposure to how risk is managed, measured, and communicated inside a fast-moving financial institution. We offer two tracks — choose the one that suits how you think.**Pick Your Track****Track 1 — Quantitative Risk**For the data-first thinker. Risk shows up in many forms — a borrower who is about to default, a transaction that looks suspicious, a deposit pattern that signals a funding vulnerability. Your job is to use data to make these risks visible earlier, across credit, fraud, financial crime, and liquidity.**What You Will Do*** Analyse data across multiple risk domains — loan repayment behaviour, transaction patterns, and deposit flows — to surface signals that matter before they escalate.* Support the development and testing of analytical models used across credit decisions, fraud detection, and financial crime monitoring.* Explore how customer behaviour — how people borrow, transact, and save — translates into different categories of risk for the Bank.* Build dashboards and run scenario analyses that help the team monitor and stress-test the Bank's risk exposure across credit, liquidity, and capital.**What You Will Gain*** Hands-on experience with real financial data using Python, R, or SQL.* A practical understanding of how data and models drive risk decisions across credit, fraud, financial crime, and liquidity.* A strong foundation for a career in quantitative risk, financial analytics, or data science in banking.**Who We Are Looking For*** Undergraduate in Statistics, Mathematics, Actuarial Science, Computer Science, Data Science, Finance, or Engineering.* Working knowledge of Python or R; SQL is a bonus.* Analytical, detail-oriented, and comfortable working with messy, real-world data.**Track 2 — Qualitative Risk**For the investigative thinker who asks why, not just what. Thinking ahead while also learning from past events. When something goes wrong in a bank, someone has to figure out how it happened, what was missed, and how to stop it happening again. You will develop a sharp eye for where processes, controls, and assumptions are weaker than they look.**What You Will Do*** Review processes to spot gaps, inconsistencies, or assumptions that might not survive under pressure.* Think through how new products or operational changes could introduce risk before they are launched.* Investigate incidents — understand the sequence of events, why controls did not hold, and what needs to change.* Research emerging risk topics and distil findings into clear, concise briefing notes for the team.**What You Will Gain*** A practical ability to diagnose why things go wrong — a skill that is transferable across risk, audit, strategy, and operations.* Experience thinking critically about processes, controls, and assumptions in a live institution.* Strong foundations in structured writing, root cause analysis, and clear communication under uncertainty.**Who We Are Looking For*** Undergraduate in Finance, Economics, Accounting, Business, Law, or a related discipline.* Strong written English and sharp attention to detail — you notice when something does not add up.* A natural investigator; you are not satisfied with knowing that something went wrong, you want to know why.**What Both Tracks Share*** Real work on live deliverables — not a training simulation.* A collaborative, flat team where interns are expected to contribute, not just observe.* Broad exposure to how a modern digital bank manages risk across multiple disciplines.* Potential to convert to a full-time role for exceptional performers.**Why Ryt Bank?**Ryt Bank is a licensed Malaysian digital bank with a mandate to serve communities that have historically been underserved by the financial system. Our Risk function is lean, experienced, and scaling alongside the business — making this an internship with genuine scope and a meaningful mission.JR00000580