Strategic Lead, Consumer Lending Products

Funding Societies | Modalku Group; Malaysia; Hybrid; MYR 180,000 - 240,000; Full time

Benefits offered by this job

Flexible paid vacations

Flexible working

Health insurance for employees and kin

Mental health & wellness initiatives

Company laptop and tools

Job summary

Funding Societies | Modalku is Southeast Asia's largest SME digital finance platform, licensed and operating in Singapore, Indonesia, Thailand, Malaysia and Vietnam. We invite a driven Manager/Senior Manager for Consumer Lending Products to lead credit development, lifecycle management, and scaling of our consumer financing solutions, including HP offerings, balancing growth with robust risk controls.

The role requires deep lending product experience, fintech background, and the ability to

Qualifications

• 4–8 years of hands-on experience in consumer lending, product management, or credit risk.
• Deep experience with Hire Purchase (HP) products and dealer subvention mechanics.
• Strong analytical skills to translate financial and regulatory requirements into product roadmaps.
• Experience in fintech or startup environments preferred; comfortable with ambiguity.

Responsibilities

• Drive risk & policy development for underwriting models and portfolio health.
• Lead product strategy and lifecycle management across consumer lending offerings.
• Monitor market trends, pricing, and product gaps to refine underwriting models.
• Ensure compliance with regulatory frameworks including Hire Purchase Act.
• Streamline origination, underwriting, disbursement and settlement workflows.
• Collaborate with engineering, operations, marketing and legal on new features.

Skills

Consumer lending product management

Credit risk management

Data-driven decision making

Cross-functional leadership

Mentoring juniors

Job description

Funding Societies | Modalku is Southeast Asia's largest SME digital finance platform, licensed and operating in Singapore, Indonesia, Thailand, Malaysia and Vietnam. We invite a driven Manager/Senior Manager for Consumer Lending Products to lead credit development, lifecycle management, and scaling of our consumer financing solutions, including HP offerings, balancing growth with robust risk controls.

The role requires deep lending product experience, fintech background, and the ability to