Head of Finance

Role OverviewThe Head of Finance will lead the overall financial strategy, governance, and operations of the Group, with a strong focus on payments and credit card issuance businesses. This role is critical in driving financial performance, ensuring regulatory compliance, and supporting scalable growth within a highly regulated fintech environment.Key Responsibilities Financial Strategy & LeadershipDevelop and execute financial strategies to support growth in payments, card issuance, and related financial products.Provide strategic insights on pricing (interchange, MDR), cost optimization, and portfolio profitability.Support capital planning, fundraising, and investor relations activities. Payments & Card Business FinanceOversee financial performance of payments (acquiring/issuing) and credit card portfolios.Monitor key metrics such as transaction volumes, interchange revenue, MDR, chargeback, and fraud losses.Manage card portfolio economics including interest income, revolving balances, credit limits, and fee structures.Partner with product and risk teams on credit policies, underwriting assumptions, and portfolio performance. Financial Management & ReportingOversee full spectrum of finance functions including accounting, treasury, tax, and financial reporting.Ensure accurate and timely reporting of financial results, including segmental reporting for payments and cards.Lead budgeting, forecasting, and cash flow management processes. Regulatory Compliance & GovernanceEnsure compliance with Bank Negara Malaysia (BNM) regulations, including requirements related to e-money, payments, and credit card issuance.Ensure adherence to IFRS/MFRS 9 (expected credit loss) and other applicable standards.Oversee regulatory reporting, audits, and liaison with regulators, auditors, and tax authorities.Establish robust internal controls, especially around transaction processing, settlements, and credit risk. Risk, Fraud & ControlsWork closely with Risk and Compliance teams to monitor credit risk, delinquency rates, and provisioning.Oversee financial impact of fraud, chargeback, and disputes.Strengthen controls around payment settlements, reconciliations, and safeguarding of customer funds. Business Partnering & GrowthCollaborate with product, technology, and commercial teams to launch and scale card and payment products.Evaluate new partnerships (e.g., card networks, issuing banks, payment gateways).Support expansion into new markets or new financial products. Team Leadership & DevelopmentLead and develop a high-performing finance team across the Group.Drive continuous improvement in systems, processes, and financial governance.Key RequirementsBachelor's Degree in Accounting, Finance, or related field (CPA/ACCA/CFA preferred).Minimum 10-15 years of experience, with at least 5 years in a senior leadership role.Strong experience in payments, card issuing, banking, or financial services.Deep understanding of card schemes (Visa/Mastercard), interchange, MDR, and settlement processes.Strong knowledge of Malaysian regulatory requirements (BNM) and financial reporting standards.Experience with credit risk, portfolio management, and provisioning (ECL) is highly desirable.Experience in fundraising, M&A, or regional expansion is an advantage.Data-driven decision making and financial analyticsHigh integrity and leadership capabilityAbility to operate in a fast-paced fintech environmentReporting LineReports directly to the Chief Executive Officer (CEO) and works closely with the Board of Directors.JTK Number: JTKSM 995 | Company Registration Number: 201301019088 (1048918-T)