Job Description

We are Malaysia's leading Credit Reporting Agency (CRA) and we are aggressively expanding our business, and looking for dynamic, driven and motivated individuals to join our team. Our Direct-To-Consumer segment (D2C), is one of our fastest growing product areas in the market, with an abundance of expansion plans and innovative ideas on hand.
ROLE OVERVIEW
This role is responsible for managing CTOS's portfolio of Fraud, Identity Resolution and Compliance solutions. Reports directly to the GM of FID Product. The role will oversee end-to-end product lifecycle from opportunity identification, product strategy and roadmap, product development and commercialization including go-to-market strategies, as well as on-going product management in terms of product performance, competitive analyses, product profitability and resolving product support and maintenance issues.
KEY RESPONSIBILITIES
Define the long-term product vision and multi-year roadmap for Fraud, Identity Resolution, and Compliance solutions, aligned with CTOS's strategic goals and market direction.
Conduct continuous market intelligence to identify emerging fraud trends, regulatory changes (e.g., Consumer Credit Act, AML/CFT requirements), and competitive threats.
Evaluate new product opportunities including consortium data assets, digital identity, device intelligence, behavioural biometrics, KYB/KYC automation, and real-time fraud decisioning.
Build business cases and financial models to assess ROI, pricing strategies, partnership opportunities, and investment priorities.
Develop and maintain a portfolio strategy-sunsetting low-value offerings, scaling high-impact products, and ensuring balanced product investment across early-stage innovations and core revenue drivers.
Product Development
Lead end-to-end product development lifecycle, from requirements definition, functional specification, solution design, and sprint prioritisation.
Collaborate closely with data engineering, analytics, and technology teams to ensure solution feasibility, scalability, and compliance with security/data-governance standards.
Champion user-centric product design by driving discovery workshops, customer research, and prototyping efforts.
Oversee testing, QA, acceptance criteria, and release planning to ensure timely, high-quality product launches.
Manage relationships with external vendors, technology partners, and data providers to accelerate product delivery and enhance capabilities.
Product Management
Own product P&L, including revenue forecasting, pricing optimisation, cost management, and margin performance.
Monitor and analyse product performance metrics (usage, adoption, conversion, retention) to drive product enhancements or pivots.
Establish competitive benchmarking and continuously improve products to stay ahead of market alternatives and evolving fraud typologies.
Drive operational readiness including documentation, SLAs, onboarding materials, and training for Sales, Operations, and Support teams.
Manage product lifecycle including versioning, platform upgrades, remediation of technical debt, and end-of-life planning.
Stakeholder Management
Work closely with data consulting, data analytics, technology as well as sales, finance and client support teams to deliver high-impact Fraud & ID solutions
Act as subject matter expert for fraud and compliance topic, advising on opportunities, regulatory landscape and market trends
Team Leadership & Capability Building
Build and lead a high-performing product team with strong expertise in fraud, compliance, and data-driven product innovation.
Provide ongoing coaching, development plans, and knowledge sharing to strengthen product competency across the organisation.
WHAT DOES IT TAKE TO BE SUCCESSFUL
Qualifications
Bachelor's degree or higher in Computer Science, Information Systems or a related discipline
Professional certifications in Product Management or Agile methodologies are advantageous
Work Experience
10+ years of hands-on experience in product management with at least 3 years in a leadership role
Proven experience in developing and managing fraud and compliance related solutions for financial services, fintech or technology sectors (credit reporting, or regulatory data environment is a plus)
Knowledge, Skills & Competencies
Experienced managing fraud typologies across financial services, fintech, e-commerce, insurance, and telecommunications (e.g., 1st party fraud, ID theft, mules, synthetic IDs, application & transaction fraud).
Knowledge of digital identity technologies including biometric verification, device intelligence, behavioural analytics, identity proofing, and document verification.
Familiarity with AML/CFT frameworks, eKYC standards, sanctions screening, watchlist monitoring, and transaction monitoring principles.
Innovation-driven mindset with curiosity about global fraud-tech trends and identity solutions.
Understanding of data governance and risk controls relevant to fraud and identity solutions.
Executive communication skills and ability to influence stakeholders, regulators, and industry partners.
Excellent problem-solving, analytical thinking, and debugging skills
Strong commercial acumen with experience managing product P&L and pricing strategy.
Ability to manage complex, multi-stakeholder initiatives in a fast-paced environment with shifting priorities.
Ability to design and scale product processes, frameworks, and operating models.
High attention to detail, integrity and a strong sense of responsibility

Skills Required