304 Financing jobs in Malaysia

Overview :

As part of our continued growth across Asia, we are expanding our FP&A team to support rapid market development in our growth markets such as Thailand and Taiwan. This role will work closely with both the central finance function and local market teams, providing critical financial insights to help steer commercial and operational decisions.

The FP&A Analyst – Growth Markets will report to the FP&A Manager and will act as a business partner to key stakeholders. The ideal candidate will combine strong analytical skills with commercial acumen, enabling data-driven decision-making and proactive financial support in these high-growth markets.

Roles and Responsibilities

Business partnering

• Act as a key FP&A contact for Growth Market leadership teams, working closely with country managers and department heads.
• Lead detailed variance analysis and performance reviews for these markets, identifying risks, trends, and opportunities.
• Support new club openings, deal evaluations, and expansion proposals through financial modelling and scenario planning.
• Advise on pricing, cost structures, and ROI for strategic initiatives in each market.
• Provide responsive, real-time support for ad-hoc financial requests from the business.

Financial Planning, Forecasting & Analysis

• Drive the monthly forecasting process and annual budget cycles for assigned markets.
• Build and maintain robust financial models that align with operational realities and strategic plans.
• Develop monthly management reports and dashboards that provide clear insights into financial health, growth metrics, and performance KPIs.
• Work with Accounting to ensure accuracy of data, accruals, and market-level P&Ls.
• Analyse cost behaviours and propose cost-optimisation strategies tailored to the local business landscape.

Cross-Market Collaboration & Improvement

• Partner with other analysts in Core and Franchise markets to share best practices and build consistent FP&A processes group-wide.
• Contribute to the development and refinement of FP&A tools, templates, and reporting automation.
• Engage in projects that improve financial visibility and process efficiency across regional teams.

Requirements

• Education: Degree in Finance, Accounting, Business, or related field. CFA, CPA or equivalent certification is a plus.
• Experience: Minimum 3 years in an FP&A or financial analysis role; multi-market exposure preferred.
• Technical Skills: Strong Excel/financial modelling, proficiency in reporting tools and systems (e.g. Power BI, Netsuite, Anaplan, or equivalent).
• Commercial Acumen: Strong understanding of business drivers, operational KPIs, and financial levers within a retail or multi-site environment.
• Communication: Excellent written and verbal communication skills in English. Ability to explain complex financials clearly to non-finance stakeholders.
• Team Orientation: Collaborative mindset with the ability to work across geographies and cultures.
• Proactivity: Self-starter with strong problem-solving skills and attention to detail.

• Salary Range: for this role is RM6K to 6.5K

Embark on a career at CARSOME, where our vision is to create the most trusted vehicle ownership ecosystem that is driven by technology and data. Join us in our mission to deliver unparalleled peace of mind to customers throughout their pre-owned vehicle ownership experience. At CARSOME, we are guided by values that prioritize our customers, encourage collaborative problem-solving, strive for continuous improvement, and foster bold yet thoughtful innovation. We're committed to efficient, humble leadership and taking ownership in our roles, always aiming to positively impact our employees, customers, and community.

Your Day-to-Day

• Forecast loan disbursement, repayment, and receivables growth for Hire Purchase and Dealer Financing.
• Model interest income, funding cost, net interest margin, and provisioning impact for P&L and cash flow.
• Run 5-year (or long term) financial simulations (disbursement, portfolio, revenue, cost) in collaboration with relevant teams whenever is required.
• Monitor collection performance, delinquency, and NPL trends; provide insights and alerts to management.
• Update monthly closing data and track portfolio KPIs to feed into performance dashboards and reporting.
• Work closely with Finance on MA and prepare monthly regional and country reporting packs.
• Prepare and update the quarterly BOD deck, ensuring accuracy and clarity of financial insights.
• Support lender/investor due diligence (DD) processes, furnishing required financial data and business insights.
• Manage scenario analysis and stress testing (e.g. interest rate hikes, higher default rates) to aid decision-making.
• Partner with business and credit teams to evaluate financial impact of new dealer programs or pricing changes.
• Track cost-to-income, ROA/ROE, utilization, and other performance metrics, providing analysis for improvement.
• Prepare annual budgets and lead rolling forecasts, incorporating bottom-up inputs across business units.
• Work closely with Group / HQ Finance teams to ensure timely communication and alignment on company matters, performance updates, and financial insights.
• Support external audit processes by preparing and validating financial data relevant to the business portfolio during the annual financial audit.

Requirement

• Bachelor’s degree in Finance, Accounting, Economics, or a related discipline.
• 5–8 years of FP&A or financial modeling experience, preferably in lending, banking, or fintech finance.
• Solid grasp of loan amortization, credit portfolio dynamics, and receivables modeling.
• Experience in cash flow forecasting, provision modeling (e.g. IFRS 9), and cost tracking.
• Advanced Excel skills; proficiency in Power BI or financial systems is a strong advantage.
• Proven ability to support Board reporting, investor reporting, and lender due diligence exercises.
• Strong collaboration skills to work with Finance, Credit, Risk, and Business teams.
• Good understanding of BNM regulations, lending compliance, and auto financing business models.

We are dedicated to continuously innovating and transforming the financial services landscape, making banking better and easier. Join us at AFFIN, where open minds meet and inspire a shared commitment to excellence. You too can make a difference.

Plans, solicits, and promotes Personal Financing-i products through effective communication and marketing skills. A sales-driven mindset is essential to achieve assigned targets.

1. Promote Personal Financing-i products to selected organizations and segments.
2. Conduct product briefings, talks, and marketing activities at respective organizations.
3. Proactively execute sales plans and manage potential customers.
4. Participate in sales activities and prepare sales reports.
5. Engage in cross-selling of bank products.
6. Build close rapport with branches and other relevant stakeholders.
7. Ensure confidentiality of customer information and compliance with bank policies and procedures.

Are you passionate about revolutionizing fundraisingfor Malaysian SMEs and entrepreneurs? Do you want to build the next game-changing financingproducts that could help startups andMSMEs across Malaysia?

Picture yourself as the mastermind behind Malaysia's next breakthrough in business lending. At pitchIN, Malaysia's leading Digital Fundraising and Investment Hub, you'll be the architect of debt products that could fund the next Grab, Shopee, or revolutionary Malaysian startup that transforms entire industries.

This isn't just product management—this is financial innovation with real-world impact. You'll craft credit scoring models that unlock capital for deserving businesses, design interest structures that reward both borrowers and lenders, and launch go-to-market strategies that reshape how Malaysia thinks about debt financing. Every algorithm you refine, every product feature you build, and every market strategy you execute has the power to fuel economic growth and turn entrepreneurial dreams into billion-ringgit realities.

1. Impact That Matters: Your products directly fuel Malaysia's SME ecosystem and drive economic transformation
2. Innovation Playground: Pioneer cutting-edge debt products in Malaysia's rapidly evolving fintech landscape
3. Collaborative Excellence: Join a team where technical expertise meets market insights, and bold ideas become reality
4. Market Leadership: Shape the future of alternative lending as part of Malaysia's most trusted fundraising platform
5. Career Acceleration: Develop world-class product skills while working at the intersection of finance and technology

Product Strategy & Innovation

• Engineer breakthrough credit scoring models by analyzing data patterns, refining risk assessment methodologies, and optimizing lending decisions to maximize approval rates while minimizing defaults
• Design compelling debt features including competitive interest rate structures, flexible repayment terms, and innovative collateral arrangements that attract both borrowers and investors
• Work across cross-functional teams of engineers, designers, marketing, customer support, account managers etc.
• Master the full product lifecycle from ideation through launch, ensuring products meet market needs while maintaining profitability and risk management standards
• Own comprehensive go-to-market strategies including pricing models, distribution channels, customer acquisition tactics, and competitive positioning

• Drive data-driven market research to identify underserved segments, analyze competitor offerings, and uncover opportunities in Malaysia's debt financing landscape
• Become the authoritative voice on debt product performance by tracking key metrics, analyzing customer behavior, and continuously optimizing product features
• Build strategic partnerships with credit bureaus, financial institutions, and technology providers to enhance credit assessment capabilities
• Champion customer success by ensuring products deliver measurable value to both SMEs seeking capital and investors seeking attractive returns
• Execute go-to-market launches that drive product adoption, market penetration, and revenue growth

• 3-5 years of product management experience with proven background in credit assessment, debt products, or lending operations
• Credit scoring and risk assessment expertise including hands-on experience with credit models, data analysis, and underwriting methodologies
• Deep understanding of debt markets including interest rate structures, repayment mechanisms, collateral management, and portfolio risk optimization
• Go-to-market mastery with demonstrated success in launching financial products, developing pricing strategies, and driving market adoption
• Analytical superpowers using tools like SQL, Python, Excel, or statistical software for credit data analysis and model development
• Stakeholder management excellence with proven ability to influence cross-functional teams and drive consensus on complex financial products
• Customer obsession with track record of translating borrower and investor needs into successful debt product features

• Regulatory awareness of Malaysian financial services landscape and Securities Commission guidelines
• Commercial lending or banking experience with hands-on credit analysis and loan structuring
• Startup or scale-up product experience with experience building innovative financial products from scratch
• API and platform integration knowledge for building connected lending ecosystems
• Advanced statistical modeling with machine learning applications in credit risk assessment

Join us in building products that don't just move money—they move dreams forward. At pitchIN, your product vision becomes the bridge between ambitious entrepreneurs and the capital they need to succeed.

Your next career breakthrough starts here.

• Promote Personal Financing-i products to selected organizations and segments.
• Conducts product briefings, talks and marketing activities at respective organizations.
• Pro-actively executes sales plan and managed potential customers.
• Participate in sales activities and prepares sales reports.
• Cross-selling bank products
• Build close rapport with branches and other relevant stakeholders.
• Ensure confidentiality of customer information and compliance to Banks policies and procedures.

Plans, solicits and promotes Personal Financing-i products through effective communication and marketing skills. Sales driven mindset to achieve and assigned target.

1. Promote Personal Financing-i products to selected organizations and segments.
2. Conduct product briefings, talks and marketing activities at respective organizations.
3. Pro-actively execute sales plan and manage potential customers.
4. Participate in sales activities and prepare sales reports.
5. Cross-sell bank products.
6. Build close rapport with branches and other relevant stakeholders.
7. Ensure confidentiality of customer information and compliance to bank's policies and procedures.