Key Responsibilities

Credit Risk Oversight

• Provide strategic leadership over unsecured lending risk (Credit Cards & Personal Loans or other unsecured products in due time), with clear accountability for portfolio quality and performance.
• Set and continuously refine underwriting standards, credit policies, and risk frameworks aligned to risk appetite and market conditions.
• Approve high‑risk policies, key portfolio strategies, and material exceptions.
• Drive proactive risk management through forward‑looking monitoring of portfolio trends, including early delinquency indicators and emerging risks.

Governance & Compliance

• Ensure strong alignment with regulatory expectations (e.g., BNM) and Group risk standards.
• Lead the regular enhancement of credit policies, scorecards, and decision frameworks to remain competitive and prudent.
• Act as senior interface for audit and regulatory engagements r...