Senior Credit Risk Policy Lead

TNG Digital; Kuala Lumpur; On-site; MYR 240,000 - 360,000; Full time

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

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.