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:
Own the design, iteration, and execution of end-to-end risk strategies across our consumer credit business (BNPL / cash loan / consumer loan, etc.). Drive risk management across the full credit lifecycle — pre-loan, in-loan, and post-loan — and partner with modeling teams to elevate the quantitative rigor of our strategies, enabling the business to scale within well-controlled risk boundaries.
What You'll Do
1. End-to-End Risk Strategy Design
- Design and deploy full-lifecycle risk strategies across pre-loan (customer onboarding, credit underwriting, traffic allocation), in-loan (transaction monitoring, dynamic credit-line adjustment, risk alerts), and post-loan (collection segmentation, asset disposition) stages
- Cover both credit risk and fraud risk scenarios, building a multi-layered, scalable risk decisioning framework
2. Strategy Optimization & Iteration
- Continuously monitor core risk metrics (approval rate, delinquency rate, fraud rate, charge-off rate, etc.) and identify risk trends and strategy gaps through data analysis
- Lead A/B testing and parameter tuning to improve business efficiency and reduce losses while keeping risk under control
3. Risk Modeling Collaboration
- Partner with the modeling team across the full lifecycle of credit scoring models (application, behavioral, and collection scores), including feature engineering, model selection (LR, XGBoost, LightGBM, etc.), validation, and deployment
- Drive deep integration of models and strategies to continuously improve quantitative rigor and decisioning precision
4. Risk Monitoring & Early Warning
- Build a continuous risk monitoring and early-warning system; track macroeconomic conditions, regulatory shifts, and user behavior changes to proactively surface emerging risks
- Develop and execute contingency plans to ensure rapid response and effective mitigation of risk events
5. Cross-Functional Collaboration & Data Ecosystem
- Work closely with Product, Operations, Engineering, and Compliance teams to productize and deploy risk strategies; deliver clear requirement documents and analytical conclusions to ensure efficient rollout
- Integrate internal and external data sources, continuously expanding risk data dimensions and feature sets to strengthen the decisioning foundation
6. Compliance & Knowledge Sharing
- Stay current on credit risk regulations in target markets to ensure strategies remain compliant and resilient
- Codify risk methodologies through documentation and knowledge-sharing sessions; mentor junior team members and elevate team capability
Role Requirements
Basic Qualifications
- Bachelor's degree or above in Statistics, Mathematics, Financial Engineering, Computer Science, Economics, or related fields; Master's degree preferred
- 5+ years of credit risk experience, with hands-on strategy or modeling experience in BNPL, consumer lending, credit card, or cash loan businesses preferred
Core Competencies (Required)
- Proficient in SQL and Python, with strong data analysis and mining capabilities
- Deep understanding of credit risk and fraud risk management logic, with command of the end-to-end risk control workflow
- Strong commercial acumen and data-driven mindset; able to quickly diagnose business problems and translate them into actionable risk solutions
Nice to Have
- Consumer credit risk experience in Southeast Asia or other overseas markets, with familiarity in local credit bureau ecosystems and regulatory environments
- Experience building a risk strategy framework from 0 to 1, or leading risk for businesses at hundred-million-user scale
- Familiarity with frontier risk technologies such as machine learning modeling, anti-fraud graph networks, and device fingerprinting
- Working proficiency in both Chinese and English (especially relevant for Kuala Lumpur / overseas roles)
What You Get
Work your way
Your wellbeing matters
- Medical coverage, with option to include dependants
- Extra leave for family and caregiving needs
Rewards that grow with you
- Monthly lifestyle allowance via TNG eWallet
- Long-term rewards for your contributions
Everyday support
- Mobile and broadband reimbursement
- Discounts and wellness perks
What it's like to work here
We 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.
