Senior Manager, Consumer Lending Products

T&T HR Consulting; Malaysia; On-site; MYR 120,000 - 180,000; Full time

Benefits offered by this job

Time off and flexible vacations

Flexible working hours

Medical benefits

Mental health & wellness programs

Tech equipment support

Job summary

We are seeking a strategic Manager / Senior Manager of Consumer Lending Products to lead credit development, scaling, and lifecycle management of our consumer financing solutions in Malaysia. The role focuses on hire purchase offerings, balancing aggressive growth with robust credit risk management.

The ideal candidate brings deep expertise in consumer lending and HP facilities, with a proven track record of innovating lending products beyond traditional banking models.

Qualifications

• 4 to 8 years of hands-on experience in consumer lending, product management, or credit risk.
• Deep, demonstrable experience with Hire Purchase (HP) products is required.
• Ability to translate regulatory and financial requirements into clear product roadmaps.

Responsibilities

• Risk & policy development: refine underwriting models and optimize approvals.
• Product Strategy & Lifecycle Management: end-to-end lifecycle for consumer lending products.
• Market & Competitor Analysis: monitor landscape, trends, pricing, gaps.
• Regulatory Compliance: adhere to Hire Purchase Act and governance standards.
• Process Optimization: streamline origination, underwriting, disbursement, and settlement workflows.
• Cross-Functional Leadership: collaborate with engineering, operations, marketing and legal.

Skills

Hire Purchase (HP) expertise

Credit risk & underwriting

Product management

Stakeholder leadership

Data-driven decision making

Job description

We are seeking a strategic Manager / Senior Manager of Consumer Lending Products to lead credit development, scaling, and lifecycle management of our consumer financing solutions in Malaysia. The role focuses on hire purchase offerings, balancing aggressive growth with robust credit risk management.

The ideal candidate brings deep expertise in consumer lending and HP facilities, with a proven track record of innovating lending products beyond traditional banking models.