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.
