Job Description
Job Summary The Head of Consumer Finance holds end-to-end P&L accountability for AEON Bank's retail financing portfolio, with a primary focus on driving the scaling and healthy performance of Shariah-compliant Personal Financing (PF-i). To overcome asset deployment drag, the incumbent will serve as the commercial and strategic architect of our retail asset pipeline. This role requires a specialist in Personal Financing who can design, mobilize, and optimize multiple concurrent sales and distribution channels —leveraging internal digital platforms, Direct Sales Agents (DSAs), third-party sales vendors, corporate and institutional partnerships, and the broader AEON retail ecosystem. Crucially, the incumbent must be a commercially rigorous builder who can construct comprehensive financial models, project product-level unit economics, and formulate data-backed business cases to secure management, board, and regulatory approvals for new financing initiatives. Job Responsibilities Multi-Channel Distribution & Sales Orchestration Active Partner Sourcing: Build, manage, and scale external third-party sales vendors, brokers, and affinity referral networks to maximize out-of-ecosystem customer acquisition. Direct Sales Agent (DSA) Management: Establish, train, and structurally govern a high-velocity, mobile-first DSA network across Malaysia to drive proactive face-to-face and local market acquisition. Corporate & Institutional Sourcing: Secure and activate high-yield institutional partnerships, with immediate ownership of the programmatic civil service salary-deduction pipeline and administrative schemes. Telemarketing & Digital Optimization: Collaborate with internal Telemarketing and Channel Management teams to maximize digital conversion rates on organic app traffic, executing cross-selling playbooks to existing hollow depositor segments. Ecosystem Synergies : Partner with group retail and financial affiliates to develop collaborative cross-selling strategies, offering str
