Job Summary
Oversee and govern CardX's consumer lending operations across Credit Card, Unsecured Personal Loan, and Digital Lending products (such as BNPL, Cash Advance, and Line Increase). Ensure highquality credit decisioning in alignment with the organization's Risk Appetite, while managing portfolio quality, enhancing endtoend processes, and ensuring compliance with all relevant regulations to support sustainable business growth and an excellent customer experience.
Responsibilities:
- Govern underwriting standards for Credit Card, Personal Loan, Digital Lending
- Conduct deep portfolio analytics (DPD, FPD, Roll Rate, NPL) and manage risks proactively
- Co-develop Credit Programs / Scorecards / Credit Appetite with Risk
- Approve high-value and exception cases within delegated authority
- Lead transformation initiatives (STP Lending, AI Underwriting)
- Improve lending processes and customer experience
- Ensure compliance with BOT, AML/CFT, PDPA
- Present portfolio insights to senior executives
Qualifications:
- 5 year Experience in consumer lending
- Expertise in Personal Loan, Digital Lending
- Strong analytical and portfolio assessment skills
- Knowledge of LOS / Decision Engine / Scorecards
- Strong project and process improvement capabilities
- Excellent communication and stakeholder leadership
- Proactive, strategic, customer-centric mindset
