Portfolio Business Manager, Credit Cards & Unsecured Lending

Get To Know Our GX Bank 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.

Get To Know The Role

The Portfolio Manager plays a critical role in driving FlexiCredit’s portfolio performance across the entire customer lifecycle—from onboarding to retention. This role is responsible for implementing best-in-class portfolio management strategies that enhance utilization, improve portfolio yield, and support sustainable business growth.

Portfolio Optimization across Lifecycle

• Lead portfolio management efforts across the customer journey, focusing on early-month-on-book (MOB) behavior, ongoing engagement, and long-term retention.
• Implement data-driven strategies to improve customer acceptance quality and portfolio health.
  
  

Balance Building and Utilization Growth

• Drive balance-building initiatives such as cross-sell, top-ups, utilization campaigns, and second loan programs.
• Introduce differentiated portfolio strategies to increase drawdowns and drive higher revenue per customer.
  
  

Line Management Strategy

• Champion line management initiatives including:
• Line increases for customers with strong credit profiles
• Line reductions to improve Expected Credit Loss (ECL) performance
• Temporary line offers to boost short-term utilization
  
  

Customer Segmentation and Campaigns

• Promote better line utilization through targeted segmentation strategies and differentiated dormant customer campaigns.
  
  

Retention and Attrition Management

• Act as the retention lead, driving initiatives to reduce attrition and improve customer stickiness.
• Develop predictive models to identify at-risk customers and implement preemptive retention actions.
  
  

Portfolio-Driven Product Development

• Drive the development and rollout of portfolio-based products including:
• Enhancing current journey to boost drawdown
• Lead in any enhancement that encourage drawdown.
  
  

Analytics and Targeting

• Collaborate with analytics and marketing teams to improve lead quality and targeting through propensity modeling and decile-based segmentation.
  
  

Risk and Policy Optimization

• Partner with the Risk team to run portfolio test cells and optimize credit policies.
• Support initiatives such as:
• Custom scorecard (e.g. BScore) enhancements
• Tailored policies for existing GX Bank and Grab ecosystem customers
  
  

The Must-Have

Experience & Background

• 5 - 7 years of experience in portfolio management, credit risk, consumer lending, or a related area—preferably within banking, fintech, or financial services.
• Exposure to customer lifecycle management, including engagement, retention, or utilization strategies, is an advantage.
• Familiarity with unsecured lending products such as credit lines, personal loans, or balance transfers is a plus.
  
  

Skills & Competencies

• Strong analytical and problem-solving skills; comfortable working with data to identify trends and opportunities.
• Basic understanding of credit risk principles, segmentation, and campaign design.
• Proficiency in Excel and familiarity with data tools such as SQL, Power BI, or similar is preferred.
• Strong communication skills, both written and verbal, with the ability to collaborate effectively across teams (e.g., risk, marketing, analytics).
  
  

Mindset & Attributes

• Curious, proactive, and eager to learn; shows ownership in driving outcomes.
• Comfortable working in a fast-paced, performance-driven environment.
• Detail-oriented with strong execution discipline.
• A team player who is open to feedback and keen to grow within the portfolio management space.
  
  

Education

Bachelor’s degree in Business, Finance, Economics, Statistics, or a related field