Job Description

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   Job Summary: -
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  The principal purpose of this position is to spearhead Malaysia&rsquo;s Merchant Risk function across all operating units &ndash; Chargeback, Underwriting and Fraud Management.
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   Job Responsibilities: -
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   To lead a team of risk team leaders and educate the management team on merchant performance risk.
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   To implement the group risk module across the business unit that underwrites merchant performance risk. In addition ownership over the system functionality and parameters such that the system is continually enhanced to cope with changes in the marketplace and customer mix.
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   To ensure that merchants accepted conform to the approved Risk Acceptance Criteria (&ldquo;RAC&rdquo;). And review and modify the RAC from time to time based on experience.
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   Ensure that the risk staff are following up and adhering to the policies for investigating and resolving alerts raised by the Risk system in respect of dubious transactions.
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   Ensure that collaterals are held (where applicable) in accordance with policy and is segregated and reconciled to underlying records.
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   To manage a team of staff responsible for processing chargebacks and credit refunds in a timely and efficient manner.
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   To network with the respective Risk Heads of the acquiring Banks in respect of changes in the business environment, Bank SLAs (with regard to merchant performance risk ), changes in Card scheme rules as well as regulatory requirements.
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   To mitigate risk factors wherever present through the implementation of proper risk management procedures and practices.
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   To advise the Group CRO / CEO and management team on all matters relating to risk management. To provide monthly reports on the potential exposure of the country as well as the health of the overall merchant portfolio i.e. risk classifications.
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   Improve operational productivity and efficiency to support business growth i.e. enhancing risk policies and procedures, capacity planning and productivity in line with business growth.
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   Provide training and development opportunities to the team in building portfolio management skill sets and bench strength for career progression.
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   Job Requirements: -
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   Candidate must possess a minimum of five (5) years of risk experience in a relevant management position.
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   Candidate must have experience from a Financial Institution, and / or Telco dealing with consumer / merchant risk.
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   Exposure to the credit / debit card industry and / or dealing with merchants in Telco would be a distinct advantage.
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   Candidate must be able to effectively communicate in English (fluent oral and written).
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   Candidate must be able to use technology for work purposes and able to appreciate a technology-driven business and implement risk solutions that are quick to market.
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   Possess extensive technical, conceptual and analytical skills.
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   Able to understand and consolidate diverse and complex business information and identify / mitigate risk issues.
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   Able to present new concepts, overcome objections and explore options to effectively implement new ideas.
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   Good self-motivated and results-driven individual.
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   Working location: Kepong Bandar Sri Damansara, Kuala Lumpur.
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   Education Requirement: -
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   Candidate must possess a minimum of Bachelor&rsquo;s Degree or Professional Degree in any discipline.
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   A professional Risk qualification would be desirable.
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