Lead, Digital Auto Loans & Product Development

Get To Know The GXBank Team

GX Bank Berhad - the Grab-led Digital Bank - is the FIRST digital bank in Malaysia, approved by BNM to commence operations. We aim to leverage technology and innovation to serve the financial needs of the unserved and underserved individuals, and micro and small medium enterprises. We are driven by our shared purpose and passion to bring positive transformation to the banking industry, starting with solutions that address the financial struggles of Malaysians and businesses.

Key Responsibilities

Get to know the Role:

Disruptive Strategy & Launch

• Identify market gaps, emerging trends, and customer pain points to conceptualize and deliver innovative auto loan products and services.
• Lead end-to-end product development life cycle, from ideation to successful market launch.
  
  

Product & Process Orchestration

• Design, optimize, and orchestrate seamless auto loan products and processes, focusing on enhancing customer experience and operational efficiency.
• Collaborate with technology teams to integrate features and functionalities into existing systems, ensuring a robust and scalable platform.
• Continuously evaluate and improve existing auto loan offerings and workflows.
  
  

Rigorous Project Management

• Lead and manage complex, cross-functional projects related to auto loans innovation, ensuring timely delivery, adherence to budget, and high-quality outcomes.
• Act as the central coordinator, bringing together diverse internal teams (including Risk, Product, Compliance, Legal, Operations, and Technology) and external partners to align on project goals, manage timelines, and facilitate seamless information exchange.
• Develop detailed project plans, track progress meticulously, identify and mitigate risks proactively, and implement corrective actions as needed.
• Utilize agile methodologies where appropriate to accelerate delivery and foster a responsive, collaborative development environment.
  
  

Regulatory Compliance & Submissions

• Possess a strong understanding of the Hire Purchase landscape and evolving regulatory requirements in Malaysia (or relevant jurisdiction).
• Lead the drafting and submission of all necessary regulatory documents, including New Product Programs, Outsourcing Assessments, and other compliance-related filings.
• Act as a key liaison with regulatory bodies as required, ensuring full compliance with all banking and financial services regulations.
  
  

Cross-Functional Collaboration & Stakeholder Management

• Forge strong, collaborative relationships with internal stakeholders, including Risk, Product, Compliance, Legal, Operations, and Technology teams, to ensure alignment and seamless execution.
• Work closely with external industry partners, dealerships, and fintech providers to explore new opportunities and integrate innovative solutions.
• Represent the auto loans function in various internal and external forums.
  
  

Market Intelligence & Performance

• Monitor market trends, competitor activities, and customer feedback to inform strategic decisions and identify opportunities for further disruption.
• Analyze performance metrics, identify areas for improvement, and implement data-driven strategies to achieve business objectives.
  
  

The Must Haves

• Bachelor's degree in Business Administration, Finance, Economics, or a related field. MBA or relevant Master's degree is a plus.
• Minimum of 6-8 years of progressive experience in the banking or financial services industry, with at least 3-4 years specifically within auto financing/hire purchase.
• Demonstrable experience in developing and launching new financial products or services, with a focus on innovation and market disruption.
• In-depth understanding of the Hire Purchase Act [specific to Malaysia, e.g., 1967] and other relevant banking regulations in Malaysia.
• Proven track record in project management, preferably with experience in agile methodologies.
• Strong analytical skills with the ability to interpret complex data, identify trends, and make informed decisions.
• Excellent communication, negotiation, and interpersonal skills, with the ability to influence and collaborate effectively across all levels.
• A proactive, results-oriented individual with a strong entrepreneurial spirit and a passion for challenging the status quo.
• Ability to work effectively in a fast-paced, dynamic environment.