CEO, Digital Insurer & Takaful Operator (DITO)

CEO, Digital Insurer & Takaful Operator (DITO) – Malaysia

Role Mission

Lead the build and launch of Malaysia’s next-generation digital takaful operator — from licence application and regulatory engagement to operational readiness, launch and scalable growth.

This is a zero-to-one leadership role requiring a rare combination of regulatory credibility, operational discipline, commercial judgement and hands-on execution capability. The CEO will work closely with regulators, Board members and key stakeholders to build a digital takaful business that is trusted, compliant, customer-centric and commercially sustainable.

Key Responsibilities

1. Licensing & Regulatory Leadership

- Lead the DITO licence application process and regulatory engagement with Bank Negara Malaysia (BNM).

- Own the 7-year business plan, governance framework, capital plan and operational readiness roadmap.

- Ensure the organisation is built to meet BNM expectations across governance, risk, compliance, cybersecurity, technology, operations, conduct and customer protection.

- Work closely with the Board, legal counsel, compliance, risk, actuaries, Shariah advisors and external auditors.

2. Build the Company From Scratch

- Recruit and lead the founding leadership team across finance, compliance, risk, actuarial, technology, underwriting, claims, product, operations and customer service.

- Establish the operating model, controls, reporting structure, execution cadence and decision-making framework.

- Build a high-performance culture centred around ownership, accountability, speed, clarity and integrity.

3. Product, Underwriting & Customer Proposition

- Build simple, fair and digitally native takaful products that are Shariah-compliant and commercially viable.

- Own the end-to-end customer journey across onboarding, servicing, claims and renewals.

- Balance growth, underwriting discipline, claims management, customer trust and long-term sustainability.

4. Technology &...