Design and implement effective lending operating models that address crucial processes such as origination, underwriting, servicing, and collections across Malaysia and prospective Southeast Asian markets. 

Develop detailed Shariah-compliant and conventional product blueprints, policy manuals, and standard operating procedures (SOPs) that adhere to the regulatory standards set forth by BNM, OJK, MAS, and AAOIFI, ensuring alignment with local market requirements. 

Collaborate closely with Risk & Data teams to create and refine data-driven credit scoring models, successfully embedding them within our core lending platform for enhanced decision-making. 

Lead the annual strategic planning process, driving profit and loss forecasting and capital allocation across all lending verticals to guarantee sustainable gro...