Senior Manager, Consumer Lending & Hire Purchase

Funding Societies | Modalku; Kuala Lumpur; On-site; MYR 180,000 - 240,000; Full time

Benefits offered by this job

Time off & holidays

Flexible working

Medical benefits

Well-being programs

Tech support

Job summary

Funding Societies | Modalku is hiring a Manager/Senior Manager for Consumer Lending Products in Kuala Lumpur. You will lead the credit development, scaling, and lifecycle management of consumer financing solutions, including hire purchase offerings, balancing rapid growth with strong credit risk discipline.

The role requires deep HP product experience, dealer subvention knowledge, and proven ability to translate regulatory requirements into product roadmaps within a fast-paced fintech

Qualifications

• 4–8 years in consumer lending, product management, or credit risk.
• Deep HP (Hire Purchase) product experience and dealer subvention knowledge.
• Ability to translate regulatory requirements into product roadmaps.
• Experience in fintech or startup environments preferred.
• Strong analytical skills and data-driven decision making.

Responsibilities

• Risk & Policy development: Creating and refining underwriting models, optimizing approval rates, and maintain healthy portfolio metrics.
• Product Strategy & Lifecycle Management: End-to-end product lifecycle for consumer lending products with portfolio scaling focus.
• Market & Competitor Analysis: Monitor lending landscape to refine models, pricing strategies, gaps.
• Regulatory Compliance: Ensure adherence to Hire Purchase Act and governance standards.
• Process Optimization: Streamline origination, underwriting, disbursement, and settlement workflows with dealers and end-consumers.
• Cross-Functional Leadership: Collaborate with engineering, operations, marketing, and legal to launch features.

Skills

Consumer lending

Credit risk

Leadership

Strategic planning

Stakeholder management

Tools

Automated underwriting

Job description

Funding Societies | Modalku is hiring a Manager/Senior Manager for Consumer Lending Products in Kuala Lumpur. You will lead the credit development, scaling, and lifecycle management of consumer financing solutions, including hire purchase offerings, balancing rapid growth with strong credit risk discipline.

The role requires deep HP product experience, dealer subvention knowledge, and proven ability to translate regulatory requirements into product roadmaps within a fast-paced fintech