Suruhanjaya Kredit Pengguna Hiring! Full Time Principal-Senior Analyst, Matrix (Authorisation) in Federal Territory - Ricebowl

Job Summary

Provide Directors with cross-functional matrix support across sectors to enable effective execution of the SKP’s regulatory and supervisory functions, including legal review, policy development, authorisation, surveillance and supervision, and Shariah compliance, to safeguard consumer interests, uphold market integrity, and strengthen confidence in the consumer credit industry.

Job Description

Authorisation

• Oversee and manage licensing and registration processes, including assessment of applications and ongoing authorisation activities, ensuring adherence to approved authorisation criteria, regulatory requirements, and governance standards.
• Ensure consistency and quality in application assessments by providing guidance, conducting reviews, and strengthening internal assurance controls to support sound authorisation decisions.
• Support the development, implementation, and continuous improvement of Authorisation Standards, guidelines, and SOPs to ensure clarity, consistency, and operational efficiency.
• Coordinate with internal teams and external stakeholders to facilitate due diligence, information sharing, and resolution of authorisation-related matters, including Shariah governance considerations where applicable.
• Support the maintenance of accurate and up-to-date public registers of authorised entities to ensure transparency, accessibility, and regulatory accountability.
• Identify trends, risks, and operational gaps in authorisation processes and recommend enhancements to improve effectiveness, turnaround time, and decision quality.

Legal Review and Policy Development

• Support the development and review of consumer credit policies and regulatory frameworks, incorporating market insights, supervisory findings, and risk considerations to ensure relevance, consistency, and responsiveness to evolving industry practices.
• Provide input on the interpretation and application of laws, regulations, standards, and guidelines, ensuring clarity, consistency, and effective implementation across sectors.

Surveillance and Supervision

• Support surveillance and supervision of regulated entities, including risk monitoring and assessment to identify areas requiring supervisory attention and intervention.
• Analyse data from regulatory submissions and relevant sources to identify risks and recommend appropriate supervisory or corrective actions to strengthen compliance and consumer protection.

Reporting, Coordination and Advisory

• Coordinate with Sector Heads to promote alignment and consistency in regulatory approaches, supervision practices, and stakeholder engagements across sectors.
• Provide insights and recommendations to Directors on regulatory risks and considerations to support informed and consistent decision-making.
• Lead or contribute to cross-functional initiatives to support effective implementation of regulatory frameworks and process improvements.
• Prepare reports on key activities and outcomes, highlighting trends, risks, and issues to support management oversight and decision-making.

Operational Excellence & Learning

• Proactively participate in process improvement initiatives and take advantage of learning and development opportunities to enhance operational efficiency, ensure compliance, and strengthen personal and team capabilities.
• Contribute to knowledge sharing and capability development and undertake ad hoc assignments to support organisational priorities and the achievement of SKP’s objectives.

Job Requirements

• Minimum 5 to 7 years of experience in legal advisory, financial supervision, compliance, enforcement, supervisory or regulatory technology within a regulatory authority, financial services sector, or government-linked organisation.
• Bachelor’s degree in Accounting, Finance, Economics, Law, Commerce, Data Science, Information Systems, or a related field.
• Experience in stakeholder engagement with government agencies, industry associations, and consumer advocacy groups.
• Strong understanding of consumer credit laws, licensing/authorisation frameworks, and governance principles, with familiarity in Shariah principles applicable to consumer credit products and services.
• Demonstrates strong analytical and strategic thinking, good stakeholder engagement, sound judgement, and collaborative mindset.