The Mission

Direct Lending is a fast-growing, award-winning lending fintech on a mission to empower people’s lives with simple and responsible financing. Having built a sustainable, profitable foundation, we are now entering a scaling-up phase. Our roadmap is clear: scale our needs-based financing, grow our revenue 5X and become IPO-ready by 2030.

As we scale, the regulatory expectations grows more complex. We are looking for a Compliance Manager / Sr Manager to safeguard the company’s operation across every dimension — from regulatory frameworks and internal controls to customer protection and collection practices. Legal expertise is an added advantage, but your primary role is to ensure Direct Lending grows fast while staying fully compliant.

Why Join Direct Lending?

• Be the Compliance Backbone of a Scaling Fintech: This is not a back‑office role. You will shape the compliance framework that underpins our growth, product launches, and eventual IPO.
• Breadth and Depth: From regulatory monitoring to policy design and customer rights, you will work across the full spectrum of compliance in money lending.
• Grow with the Company: As Direct Lending scales, so does the scope of this role. The right candidate will have the opportunity to build out the compliance function and potentially lead a team.

Your Core Responsibilities

1. Regulatory Compliance

• Develop, implement, and maintain a comprehensive compliance matrix covering all applicable laws and regulations.
• Track regulatory changes (e.g., Consumer Credit Act 2025, PDPA, AMLA) and proactively advise the business on their impact, ensuring the company stays ahead of compliance obligations.
• Design and update internal policies, SOPs, and training to embed a culture of compliance across the organisation.

2. Risk & Governance

• Establish monitoring mechanisms to ensure adherence to compliance obligations across lending, collections, and customer interactions.
• Conduct compliance reviews and audits, reporting findings to senior management with actionable recommendations.
• Liaise with regulators (BNM, SC, Consumer Credit Oversight Board) and ensure timely submission of reports and licenses.

3. Customer & Business Advisory

• Advise on customer complaint resolution, ensuring responses are fair, defensible, and aligned with regulatory requirements.
• Provide compliance input on new product structures, partnerships, and initiatives to ensure they meet regulatory standards.

4. Collections Oversight

• Ensure debt recovery strategies comply with regulatory requirements and uphold customer rights.
• Monitor collection practices to protect the company’s reputation and minimise regulatory risk.

5. Legal (Added Advantage)

• Draft and review contracts and agreements where needed.
• Provide legal input on escalated matters, litigation, or external counsel coordination.

What Success Looks Like

• Zero Regulatory Surprises: A robust compliance framework ensures full adherence to all applicable legislation.
• Embedded Compliance Culture: Policies, SOPs, and training are actively adopted across the organisation.
• Fair Customer Outcomes: Complaints and disputes are resolved in line with regulatory expectations and company values.
• Reputation Protection: Collections and recovery practices are compliant, ethical, and effective.

Who You Are

• 5–6 years of hands‑on compliance experience in the money lending or financial services industry.
• Deep working knowledge of Malaysia’s lending and financial services regulatory landscape, including the Consumer Credit Act 2025, Moneylenders Act 1951, Islamic Financial Services Act 2013, Capital Markets & Services Act 2007, Consumer Protection Act 1999, Personal Data Protection Act 2010, AMLA 2001.
• Proven ability to design and implement compliance frameworks, policies, and training.
• Strong communicator who can translate complex regulatory requirements into clear, actionable guidance.
• Commercially minded — you understand compliance enables growth, not blocks it.
• Legal qualification (LLB, Malaysian Bar admission, or equivalent) is an advantage but not mandatory.

Ready to be the compliance backbone of a fast-growing fintech?

Apply now and help us scale responsibly on the road to IPO.