Head of Credit

Direct Lending is a profitable, regulated Malaysian fintech providing simple and responsible financing to bank-credit underserved Malaysians for essential needs — car repairs, motor takaful, and medical bills — and to the merchants that serve them.

We have been profitable for nine consecutive years, hold a KPKT moneylending licence, are Shariah-compliant, and are working toward IPO readiness by 2030. Our loan book has grown 6x in the last two and a half years. We have disbursed to more than 60,000 customers across a network of 3,000+ merchants. Credit quality has held — under 3% of the portfolio is over 60 days overdue — but as we scale toward IPO, credit risk needs a dedicated owner. That's where this role comes in.

The role

We are hiring a Head of Credit to own the credit policy framework for the company. This is a hands‑on leadership role, not an oversight role. You will write credit policy yourself, build the monitoring framework that flags problems ...