Careers · Loan Advisory
Loan Advisor (Malaysia) – AI Loan Platform
Lumina Fintech, a Malaysia-based AI loan platform for personal and SME borrowers, is seeking a Loan Advisor to guide borrowers through AI credit assessment results, explain loan options clearly, and support smarter borrowing decisions.
Responsibilities:
- Act as a primary point of contact for personal and SME borrowers using the Lumina Fintech platform in Malaysia.
- Interpret AI credit assessment and loan eligibility results, explaining factors that help or hurt approval in clear, borrower-friendly language.
- Guide borrowers through smart loan matching results – comparing personal and SME loan options, rates, tenures and key conditions.
- Support borrowers in preparing documents and loan requests so that applications are realistic and aligned with their cash flow.
- Provide neutral, product-agnostic guidance focused on suitability and affordability, not on selling a single lender’s offer.
- Collect feedback from borrowers and lenders to help improve Lumina Fintech’s AI loan platform, tools and content over time.
- Collaborate with the product, operations and compliance teams to ensure advice stays aligned with internal policies and regulations.
Qualifications:
- 3+ years’ experience in retail or SME banking, credit, lending, or financial advisory in Malaysia.
- Strong understanding of personal loans and SME financing products (e.g. term loans, working capital, government schemes).
- Comfortable working with digital tools and basic data/analytics; interest in AI, fintech and digital lending is a plus.
- Excellent communication skills in English; Bahasa Malaysia and/or Mandarin proficiency is an advantage for serving local borrowers.
- Proven ability to explain complex financial topics simply and maintain a “borrower-first” mentality.
- High integrity, strong attention to detail and ability to work independently in a fast-growing startup environment.
Compensation & Benefits:
Competitive salary package in RM, commensurate with experience and role scope, plus performance-based incentives. Benefits include medical coverage, annual leave and opportunities for training in AI credit assessment, digital lending and borrower advisory.
