Senior Manager, Hire Purchase & Consumer Lending

Funding Societies | Modalku Group; Kampung Malaysia Tambahan; On-site; MYR 180,000 - 300,000; Full time

Benefits offered by this job

Time off

Flexible working

Medical benefits

Mental health initiatives

Tech equipment & support

Job summary

Funding Societies | Modalku is seeking a Manager/Senior Manager of Consumer Lending Products to lead HP lending, risk management, and lifecycle strategies in a fast-paced fintech environment. You will drive underwriting models, portfolio growth, and governance in collaboration with engineering, operations, and legal teams.

The role requires hands-on experience with HP products, dealer subventions, and data-driven decision making, with a track record of shipping fintech products in startups or

Qualifications

• 4–8 years in consumer lending, product management or credit risk.
• Deep HP product knowledge including dealer subvention and disbursement governance.
• Strong ability to translate regulatory requirements into product roadmaps.
• Experience in fintech or startup environments preferred; comfortable with ambiguity.
• Familiarity with modern lending tech stacks and data-driven decisions.
• Ability to mentor and influence stakeholders without direct authority.

Responsibilities

• Risk & Policy development: create and refine underwriting models, optimize approval rates, maintain portfolio metrics.
• Product Strategy & Lifecycle Management: manage end-to-end lifecycle for consumer lending products with focus on portfolio scaling.
• Market & Competitor Analysis: monitor lending landscape, refine underwriting models, pricing strategies, product gaps.
• Regulatory Compliance: ensure adherence to Hire Purchase Act and internal governance standards.
• Process Optimization: streamline origination, underwriting, disbursement, and settlements with dealers and end-consumers.
• Cross-Functional Leadership: collaborate with engineering, operations, marketing, and legal to launch features and system enhancements.

Skills

Consumer lending

Hire Purchase HP

Product management

Credit risk

Leadership

Data analysis

Job description

Funding Societies | Modalku is seeking a Manager/Senior Manager of Consumer Lending Products to lead HP lending, risk management, and lifecycle strategies in a fast-paced fintech environment. You will drive underwriting models, portfolio growth, and governance in collaboration with engineering, operations, and legal teams.

The role requires hands-on experience with HP products, dealer subventions, and data-driven decision making, with a track record of shipping fintech products in startups or