Jirnexu Sdn Bhd
Country : Malaysia
  • Full-time

Head of Unsecured Financing

Our History Headquartered in Kuala Lumpur, RinggitPlus.com is one of several brands owned and operated by FinTech company Jirnexu. We made our start back in 2012 when the company’s co-founders met and realised that they share a mutual passion for giving individuals the financial advice and tools they needed to spend money wisely. We later launched its sister site KreditGoGo.com in 2014 to help consumers in Indonesia save money, too.

RinggitPlus.com is Malaysia's leading comparison website. Every day, we help you get more for your money – whether you're applying for a credit card, personal loan or a new insurance plan, planning the best mortgage for your dream house, looking for great discounts from mobile service providers, and much more.

The RinggitPlus.com team are your go-to guys for impartial information on everything you need to make empowered decisions and save money on products and services you use everyday. We make it easy to search for the right choices for your needs, and we translate the small print into language that’s simple to understand.

Launched in 2013, RinggitPlus.com has gained a reputation for being the best place to apply for banking products online. In fact, 7 out of 10 Malaysians compare financial products on our site, discovering many deals that can't be found anywhere else on the Internet (or even in banks and financial institutions)!


RinggitPlus Head of Unsecured Financing

Getting financing should be as easy and quick for Malaysians as a few taps on their smartphones. Today, it isn’t. Long forms, long waits, long faces on rejection, and sometimes dealing with dark and dangerous people, frequently not through the fault of the consumer. This needs to be fixed.

That's what we're doing at RinggitPlus. We’re transforming the way Malaysians research, apply and get approved for Unsecured Financing in Malaysia, with an eye on how the digital age is disrupting data sets for credit decisioning and risk matching with institutions. Do you want to change the entire financing market in Malaysia and drive a USD2m business to a USD20m business in the next three years?

You will be reporting to the RinggitPlus Director to own and drive the Unsecured Financing business. This means full P&L ownership for the a huge business line within the largest financial aggregator in Malaysia, but more importantly you will changing how millions (yes) of Malaysians research, apply for and obtain financing.



•       Set and own the short-term KPIs and long-term strategy for the Unsecured Personal Financing business at RinggitPlus.

•       Drive and oversee the financial performance of the Unsecured Personal Financing business. Identify areas for growth and address the root causes of problems in P&L performance.

•       Manage the creation, development, launch and growth of new web products and services for consumers and clients.

•       Report on both product and financial performance of the Unsecured Personal Financing business to senior management and the Board.

•       Work with the Data Science team to analyse, identify and build credit and segment models for both macro cycle and micro individual trends in the credit industry.

•       Work with the Product team to continuously iterate and improve the service we provide consumers researching, applying and getting matched for the best financing product for them

•       Work with the Marketing Team to make sure we are marketing the right products to the right audiences

•       Work with the Operations Team to ensure that customers coming to RinggitPlus get the product that is best for them

•       Work with the Sales Team to align Client goals with RinggitPlus's goals and to make sure RinggitPlus remains the market leader for choice and approvability in the Unsecured Financing industry.

•       Work with all teams to make sure our consumers enjoy the most convenient experience and best customer service




•       10+ years work experience, the majority of which should be in B2C products and services. Financial services (Banking/Insurance) experience is highly advantageous.

•       P&L and Product / Business Line ownership experience with strong commercial sense - you will need to know the unit economics at RinggitPlus on both the consumer (marketing) and industry (sales) side, and all our key partners and clients to find win-win sustainable growth opportunities

•       Credit Risk Evaluation - knowledge of various credit risk and credit portfolio management frameworks is a must, with knowledge of statistical or analytical techniques for assessing credit risk.

•       Problem Solving & Analytical - you will need to separate the signal from the noise when evaluating business performance

•       Business scaling experience - taking an idea for a product or service through development and launch, or an existing business (line) and growing it 10x.

•       Great team player and influencer - as Head of Unsecured Financing you will working closely with every department within the Operational teams at RinggitPlus to deliver on our month-to-month business performance and long term vision for the product.

•       Strategic execution - you will need to think several steps ahead in order to deliver real value to all stakeholders, and share a clear vision for how you want to change the Unsecured Financing industry

•       Ambition - we are not looking for someone to just execute a plan and deliver KPIs. We are looking for someone who want to change an industry and leave their mark

•       Commitment - we are going invest significant money and resources towards achieving the shared vision for Unsecured Financing in Malaysia and we need someone who is going to stick through the thick and thin with us


Apply by sending your cover letter and resume to: work@jirnexu.com


15000 - 20000 MYR

Total applicants :2 Job posted 1 month ago Total Views : 86 Unique Views : 85 Today Views : 5

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