Role Overview

We are a pioneering, licensed Malaysian digital bank in our foundational phase of operations, scaling rapidly across retail and non-retail segments with a mandate to serve Malaysia's unserved and underserved communities.  In this role, you will serve as the primary in-house legal counsel to our Products team on the structuring and launch of financing, credit, and investment products.

Responsibilities:

• Advise on legal concepts relevant to financing, credit, investment, and wealth products, including standard and discretionary loans and investment mandates.

• Review, draft, and negotiate product-related legal documentation, including facility agreements, security instruments, investment contracts, terms and conditions, and customer-facing disclosure.

• Develop and maintain a library of product agreement templates and legal playbooks aligned to the bank's product suite.

• Support cross-functional teams in preparing product risk assessments, pre-launch legal checklists, product approval documentation, and relevant internal policy and SOPs.

• Provide legal QA support for internal and regulatory audits, including gap identification and remediation advice.

• Advise on applicable banking, securities, and financial services laws and regulations, and proactively flag regulatory developments affecting the product pipeline.

• Engage and manage external counsel where specialist or contentious legal support is required.

• Collaborate and work with other legal team members on other general assignments, projects, or general contract/documents review (outside of loans and wealth product scope).

Requirements

• Admitted to the Malaysian Bar or equivalent professional qualification.

• Minimum 5 years PQE with experience in banking and securities law practice areas (whether gained in private practice, in-house, or both).

• Demonstrable experience advising on financial products, lending practices, or investment and wealth products.

• Working knowledge of applicable banking and securities legislation and regulatory frameworks in a tech environment.

• Ability to translate complex legal and regulatory requirements into actionable product guidance for non-legal stakeholders.

• Ability to manage multiple product workstreams.