Manager, Credit Risk Policy

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.Role Overview:The Manager, Risk Policy is responsible for designing, implementing, and continuously enhancing credit and risk policies that govern the digital lending lifecycle. Reporting to the Head, Financial Risk, this role ensures that lending practices are aligned with risk appetite, regulatory requirements, and portfolio performance objectives.The role bridges risk strategy, business growth, and operational execution, translating risk insights into practical policies across underwriting, portfolio management, and collections. The incumbent will also play a critical role in policy optimisation using data analytics and AI-driven insights, ensuring scalable and sustainable lending growth.What You'll Do:1. Risk Policy Design & GovernanceDevelop and maintain end-to-end credit risk policies, covering:Customer eligibility and underwriting criteriaCredit limits, pricing, and approval rulesPortfolio management guidelines (line management, repricing)Collections and recovery strategiesEnsure policies are clearly documented, structured, and consistently applied across the businessEstablish governance processes for policy approval, review, and change management2. Risk Strategy & Portfolio ManagementTranslate risk appetite into actionable policy thresholds and decision rulesMonitor portfolio performance and recommend policy adjustments to:Optimise approval rates vs. credit lossesManage delinquency and default trendsConduct segmentation analysis (customer risk tiers, behavioural trends) to refine policy strategiesPartner with Risk Modeler and Risk Analytics teams to ensure policy reflects model outputs and insights3. Policy Optimisation (Data-Driven & AI-Enabled)Leverage data analytics and model outputs to:Identify opportunities to enhance approval strategy and pricingImprove credit quality and profitabilityWork with Data Science and Product teams to embed:Decision rules enginesAI/ML-driven credit decision frameworksContinuously test and refine policies through experimentation (e.g., champion/challenger approaches)4. Implementation & Operational AlignmentTranslate policies into executable rules within systems and operational workflowsWork closely with:Operations (verification, call centre, collections)Product and Technology (rule engines, system configuration)Ensure policies are:Operationally feasibleClearly understood by execution teamsSupport rollout of new products or changes in lending strategies5. Risk Governance & Regulatory ComplianceEnsure compliance with:Bank Negara Malaysia (BNM) regulatory expectationsResponsible lending practices and fair treatment of customersInternal risk governance frameworksSupport internal audits, regulatory reviews, and policy documentation requirementsMaintain audit-ready documentation, including policy rationale, changes, and impact assessments6. Collections & Recovery Policy OversightDefine strategy and policy for collections across delinquency stagesEnsure alignment between:Risk appetiteCustomer fairness principlesRegulatory expectationsOptimise recovery outcomes through segmentation and strategy differentiation7. Stakeholder Management & AdvisoryAct as a key advisor to:Business and Product teams on risk implications of growth strategiesOperations teams on policy interpretation and executionFacilitate alignment between Risk, Business, and Technology on policy changesCommunicate policy changes clearly to stakeholders, including rationale and expected impactRole Requirements:EducationBachelor’s degree in:Finance, Economics, Business, Statistics, or related disciplinesProfessional certifications (e.g., FRM, CFA) are an advantageExperience6–10+ years of experience in:Credit risk policy, risk strategy, or portfolio managementBanking, digital lending, or FinTech environmentProven track record in:Designing and implementing credit policiesManaging portfolio performance and risk trade-offsFamiliarity with Malaysian regulatory landscape (BNM) and responsible lending principlesTechnical & Functional SkillsStrong understanding of:Credit lifecycle (origination → servicing → collections)Risk-adjusted decisioning (approval, pricing, limits)Experience working with:Risk models and scorecardsDecision engines / rule-based systemsProficiency in data analysis (SQL, Excel; Python is a plus)Analytical & Strategic ThinkingStrong ability to:Translate data insights into actionable policiesBalance growth, profitability, and risk exposureStructured problem-solving with attention to detailWhat 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.