DCAP is a Malaysian Fintech enabler that serves the unbanked and underserved consumers, specializing in mobility hire purchase. We offer Lending-as-a-Service to lenders, connecting lenders and borrowers through a Full Stack Financing Platform to ensure seamless access to financial services

Digital Financial Services

Founding member of Boost Credit (fka Aspirasi), a digital financial services provider delivering AI-driven micro-financing and micro-insurance solutions. Axiata's newest digital financial services brand driven by its mission to provide opportunities and access to financial services to the underserved MSMEs and consumers in Malaysia and Indonesia.Established all products policies and procedures from scratch serving unbanked and underserved MSMEs. Lead credit risk and collections team with excellent financing performance.

Managing credit approval of bankwide personal loan applications. Key accountabilities include revise credit policies and building new technology with AL capabilities, machine learning and customized scorecard to capture millennial and unbanked segment using alternative data sources. Lead and implemented alternative digital verification improving quality of loan application from online channel to straight thru processing.

Unit Manager managing operations of mitigant perfection, account servicing and collateral management. Part of the key responsibilities is to streamline processes and procedures eliminating weaknesses, ensure strict compliance of policies and regulations, ensuring embedment of Global Standards in fighting financial crimes, AML and Sanctions Policies.

- Reengineering of policies, processes and procedures for Mortgage products ensuring compliance, consistency and efficiency in support of business growth - Launch new and enhance existing system achieve better productivity- Budget, plan and monitor departmental opex- Review and manage performance of business partners eg. solicitors, valuers, insurers

- Portfolio analytics on all consumer loan portfolio e.g. Mortgage, Hire Purchase, Credit Cards, Personal Loans, Share Margin Financing- Portfolio performance monitoring and management - Review opex, capex and budget planning for all departments within credit and collection division