About this role
About the Role
Join the Risk team at Ryt Bank, a licensed Malaysian digital bank in active commercial operations. You will work alongside experienced risk professionals on real deliverables, gaining exposure to how risk is managed, measured, and communicated inside a fast-moving financial institution. We offer two tracks — choose the one that suits how you think.
Pick Your Track
Track 1 — Quantitative Risk
For the data-first thinker. Risk shows up in many forms — a borrower who is about to default, a transaction that looks suspicious, a deposit pattern that signals a funding vulnerability. Your job is to use data to make these risks visible earlier, across credit, fraud, financial crime, and liquidity.
What You Will Do
• Analyse data across multiple risk domains — loan repayment behaviour, transaction patterns, and deposit flows — to surface signals that matter before they escalate.
• Support the development and testing of analytical models used across credit decisions, fraud detection, and financial crime monitoring.
• Explore how customer behaviour — how people borrow, transact, and save — translates into different categories of risk for the Bank.
• Build dashboards and run scenario analyses that help the team monitor and stress-test the Bank's risk exposure across credit, liquidity, and capital.
What You Will Gain
• Hands-on experience with real financial data using Python, R, or SQL.
• A practical understanding of how data and models drive risk decisions across credit, fraud, financial crime, and liquidity.
• A strong foundation for a career in quantitative risk, financial analytics, or data science in banking.
Who We Are Looking For
• Undergraduate in Statistics, Mathematics, Actuarial Science, Computer Science, Data Science, Finance, or Engineering.
• Working knowledge of Python or R; SQL is a bonus.
• Analytical, detail-oriented, and comfortable working with messy, real-world data.
Track 2 — Qualitative Risk
For the investigative thinker who asks why, not just what. Thinking ahead while also learning from past events. When something goes wrong in a bank, someone has to figure out how it happened, what was missed, and how to stop it happening again. You will develop a sharp eye for where processes, controls, and assumptions are weaker than they look.
What You Will Do
• Review processes to spot gaps, inconsistencies, or assumptions that might not survive under pressure.
• Think through how new products or operational changes could introduce risk before they are launched.
• Investigate incidents — understand the sequence of events, why controls did not hold, and what needs to change.
• Research emerging risk topics and distil findings into clear, concise briefing notes for the team.
What You Will Gain
• A practical ability to diagnose why things go wrong — a skill that is transferable across risk, audit, strategy, and operations.
• Experience thinking critically about processes, controls, and assumptions in a live institution.
• Strong foundations in structured writing, root cause analysis, and clear communication under uncertainty.
Who We Are Looking For
• Undergraduate in Finance, Economics, Accounting, Business, Law, or a related discipline.
• Strong written English and sharp attention to detail — you notice when something does not add up.
• A natural investigator; you are not satisfied with knowing that something went wrong, you want to know why.
What Both Tracks Share
• Real work on live deliverables — not a training simulation.
• A collaborative, flat team where interns are expected to contribute, not just observe.
• Broad exposure to how a modern digital bank manages risk across multiple disciplines.
• Potential to convert to a full-time role for exceptional performers.
Why Ryt Bank?
Ryt Bank is a licensed Malaysian digital bank with a mandate to serve communities that have historically been underserved by the financial system. Our Risk function is lean, experienced, and scaling alongside the business — making this an internship with genuine scope and a meaningful mission.
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