Manager, Credit Policy & Portfolio Management

At TNG Digital, part of TNG Digital Group, we build the tech behind TNG eWallet, one of Malaysia’s most used apps for payments and everyday life.Millions of people rely on us daily, not just to pay, but to manage money, access financial services, and get things done faster and simpler.Behind it all is a team that likes to question how things are done, move quickly, and try new ideas. If you enjoy solving real problems and seeing your work used at scale, you will feel right at home here.

What You'll Do

Credit PolicyOwn, maintain and periodically review the credit policy, credit standards and underwriting criteria for all lending products, ensuring these reflect the approved risk appetite and current market and regulatory conditions.Ensure credit policy, affordability assessment and responsible lending controls comply with BNM requirements, including CCOB (SKP) obligations, CCRIS usage, DSR/NDI affordability thresholds and the prevailing consumer credit legislation.Manage the policy change process end to end — impact assessment, documentation, committee approval, implementation and post-implementation review — and maintain a complete audit trail of policy versions and approvals.Translate approved risk appetite into measurable policy limits and guardrails, and monitor adherence, exceptions and overrides.Portfolio Monitoring & ManagementOwn the portfolio monitoring framework across lending products, including vintage and cohort analysis, delinquency and roll rate tracking, first payment default, flow rates, write-off and recovery performance.Maintain the portfolio key performance indicator suite covering risk-based pricing, risk appetite utilisation, segmentation performance, asset quality, scorecard performance and profitability, with agreed thresholds and early warning triggers.Produce the periodic portfolio review pack and management reporting, escalate threshold breaches with root cause analysis and recommended remediation, and track remediation actions to closure.Identify emerging risk concentrations, deteriorating segments and portfolio opportunities from data, and recommend policy or strategy adjustments supported by quantified impact.Impairment & Provisioning (MFRS 9 / IFRS 9)Own the MFRS 9 expected credit loss (ECL) provisioning policy and methodology, including staging criteria, significant increase in credit risk definitions, default definition, and probability of default, loss given default and exposure at default components.Perform or oversee the periodic ECL computation for all lending products, including forward-looking macroeconomic overlays and scenario weighting, and ensure results are delivered to Finance within the reporting timetable.Maintain ECL model documentation, assumptions, back-testing and periodic recalibration, and manage management overlays with clear rationale and governance approval.Monitor provision adequacy and coverage ratios, analyse movements in the impairment charge, and explain variance against forecast to management and Finance.Support external audit, internal audit and regulatory review of provisioning, including preparation of supporting analysis and responses to queries.Model Management & GovernanceMaintain the model inventory and model risk governance framework for credit models and scorecards, including model tiering, ownership, approval status and review cycles.Own ongoing model performance monitoring across application, behavioural, collections and ECL models, including discriminatory power, stability and calibration metrics (Gini, KS, PSI and accuracy ratio), and escalate deterioration against defined triggers.Coordinate periodic model validation and recalibration or redevelopment, and ensure validation findings are tracked and remediated to closure.Ensure model documentation, change control and approval records meet internal governance and BNM expectations, and support model-related regulatory submissions.Profitability & Business SupportMaintain portfolio level profitability analysis by product, segment and partner, including yield, credit cost, risk-adjusted return and contribution to earnings.Provide credit loss forecasts, provisioning inputs and asset quality assumptions for budgeting, business planning and stress testing.Assess the policy, provisioning and asset quality implications of new products, campaigns, partner arrangements and pricing proposals, and provide a documented recommendation.Governance, Regulatory & Stakeholder ManagementPrepare and present policy, portfolio, provisioning and model performance papers to the relevant credit, risk and management committees, and to bank partners where required.Support BNM submissions, regulatory queries, internal audit and partner due diligence relating to credit policy, provisioning, portfolio performance and model governance.Partner with Finance, Product, Data, Technology, Collections and Compliance to ensure policy, provisioning and reporting requirements are correctly implemented in systems and processes.Supervise, coach and develop analysts supporting policy, portfolio reporting and provisioning, and set analytical and documentation standards for the team.Role Requirements:Good university degree in a quantitative, finance or business discipline (e.g. Mathematics, Statistics, Actuarial Science, Accounting, Finance, Economics, Financial Engineering or related field); a professional accounting or risk qualification will be an added advantage.At least 6-10 years of relevant experience in consumer/retail credit risk, with direct ownership of credit policy, portfolio monitoring, impairment provisioning or model governance in a bank, card issuer, licensed lender or fintech.Hands-on working knowledge of MFRS 9 / IFRS 9 expected credit loss methodology, including staging, PD/LGD/EAD estimation, forward-looking adjustments and management overlays.Practical experience in credit policy drafting, policy change governance and committee submission.Working knowledge of scorecard performance monitoring and model risk governance, including Gini, KS, PSI, calibration and validation concepts.Strong Excel and financial modelling skills, and experience using SQL and statistical tools such as SAS, R or Python (or similar).What you getWork your wayFlexible working hoursYour wellbeing mattersMedical coverage, with option to include dependantsExtra leave for family and caregiving needsRewards that grow with youMonthly lifestyle allowance via TNG eWalletLong-term rewards for your contributionsEveryday supportMobile and broadband reimbursementDiscounts and wellness perksWhat it’s like to work hereWe care about people who take ownership, speak up, and want to make things better. Titles matter less than impact. Good ideas can come from anyone.You will be working with people who are curious, practical, and not afraid to challenge each other in a good way.Note: Only shortlisted candidates will be contacted.