蚂蚁金服Ant International-Senior Business Development Manager (Lending)-Malaysia

We are seeking an experienced Head of Finance Operations to lead and manage the finance function of a licensed lending entity in Malaysia, with a strong emphasis on Islamic financing structures. You will be supporting the CEO in spearheading the growth, development, and strategic direction of our business. The ideal candidate should have at least 10 years of experience in accounting or finance, with significant experience in a leadership role. This role requires strategic thinking and communication skills, as the Head of Finance collaborates closely with senior leadership within the organisation. The candidate should be able to perform and manage the following tasks independently while possessing a passion for innovation and a keen understanding of the evolving fintech landscape: 1. Finance Operations & Controls • Oversee the day-to-day finance operations, including AP/AR, GL, bank reconciliations, treasury, and financial control. • Ensure timely and accurate preparation of financial statements in compliance with Malaysian Financial Reporting Standards (MFRS) and BNM regulatory requirements. • Lead the implementation of robust financial controls and operational processes to support business growth and compliance. 2. Islamic Finance Expertise • Ensure all finance-related practices for Islamic products comply with Shariah principles, relevant BNM guidelines (e.g., BNM’s Shariah Governance Framework), and internal Shariah committee rulings. • Collaborate with Shariah advisors and internal stakeholders to support product structuring and execution for Islamic financing (e.g., Murabahah, Tawarruq, Ijarah, etc.). • Track and report on financial performance of Islamic vs. conventional lending portfolios. 3. Strategic Finance & Business Partnering • Partner with senior leadership to provide financial insights that inform strategic and operational decision-making. • Support funding strategies, including Sukuk issuance or other Islamic financing instruments. • Assist in developing pricing models and cost structures for both conventional and Islamic lending products. 4. Regulatory, Audit & Tax • Ensure full compliance with Bank Negara Malaysia (BNM) and Securities Commission (SC) reporting obligations. • Manage external and internal audits, ensuring timely resolution of audit findings. • Oversee tax planning and compliance, including Zakat obligations where applicable. 5. Systems, Automation & Reporting • Drive automation initiatives and integration of finance systems with core banking platforms. • Design and maintain financial dashboards and MIS reports for management and investors.

bettr is the digital lending business under Ant International, focused on providing inclusive financial services to micro, small and medium enterprises (MSMEs) in strategic markets through partners via embedded finance. By leveraging its innovation-led tech like AI and privacy-preserving computing to enable secure financing solutions, bettr enhances the accessibility and ease of financing, unlocking growth opportunities for MSMEs. Key Responsibilities: - Set up credit risk management framework (process and policy), build and maintain onboarding, assessment, ongoing monitoring and reporting of exposures for the entity. This also includes the usage of AI/ML and the incorporating of alternative data into such models. - Meet Thailand regulatory requirement proactively with risk-related procedures, processes and policies. - Collaborate across functions, including business, product, tech, legal and compliance, enable embedded financing, implement data-driven credit assessment in the various lending platforms / ecosystems that the entity will engage itself in. - Conduct both regular and ad-hoc portfolio analysis on post lending accounts to identify the associated credit risks, update policy, and improving decision engine timely. - Manage the model risks for all scorecards and models including validation and monitoring under Group Model Risk Framework. - Solicit and analyse market related information on the practice or trend of RETAIL and SME risk management, and make recommendations to Senior Management for procedural reviews. - Lead local credit risk team, and enable approver and collection experts to improve daily efficiency with data-driven insight.

• Manage the entire chain of business operations from product development plans, campaign management, marketing and partnership collaboration with internal stakeholders with cross function teams such as product, technology, legal, finance, compliance, marketing, credit risk and customer service within Alibaba E-commerce platforms. • Work with our internal and external partners to drive the adoption and growth of BNPL in-country with good understanding of the fintech/ lending scenes in the markets. • Contribute and influence the product roadmap together with our product development and technology team to improve overall user experience, develop product features and product operational tools to improve the overall product user conversions and experience. • A data expert with the ability to analyse and report key business metrics that will have a strong influence on business decisions. • Deep understanding of marketing conversation funnel and user behaviour metrics with the ability to analyse current user retention, traffic to create meaningful and impactful campaigns to educate and drive adoption for BNPL usage. • To plan and execute marketing campaigns and projects with relevant cross-function domains to increase overall reach and visibility of BNPL. • Role also entails day to day operation managements from internal, external stakeholder alignment and communications with partners, promotion campaigns management, UAT, product roadmap planning, reporting and budget management.

• Manage the entire chain of business operations from product development plans, campaign management, marketing and partnership collaboration with internal stakeholders with cross function teams such as product, technology, legal, finance, compliance, marketing, credit risk and customer service within Alibaba E-commerce platforms. • Work with our internal and external partners to drive the adoption and growth of BNPL in-country with good understanding of the fintech/ lending scenes in the markets. • Contribute and influence the product roadmap together with our product development and technology team to improve overall user experience, develop product features and product operational tools to improve the overall product user conversions and experience. • A data expert with the ability to analyse and report key business metrics that will have a strong influence on business decisions. • Deep understanding of marketing conversation funnel and user behaviour metrics with the ability to analyse current user retention, traffic to create meaningful and impactful campaigns to educate and drive adoption for BNPL usage. • To plan and execute marketing campaigns and projects with relevant cross-function domains to increase overall reach and visibility of BNPL. • Role also entails day to day operation managements from internal, external stakeholder alignment and communications with partners, promotion campaigns management, UAT, product roadmap planning, reporting and budget management.