Head, Business Centre
AFFIN Group
Date: 13 hours ago
City: Subang Jaya
Contract type: Full time
Create your future with Affin! You too can make a difference.
Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don’t just stay at the forefront of the industry – you can make a difference too.
Job Purpose
To plan and strategize for SME and commercial loans portfolio and manage the existing lending portfolio of Business Centre (BC) accounts with a view to maximize returns for the Bank. To lead and provide support, supervision and guidance to the Assistant Relationship Managers / Relationship Managers (RMs) and other staff of the Centre.
Job Accountabilities
Sales & Portfolio Growth
Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don’t just stay at the forefront of the industry – you can make a difference too.
Job Purpose
To plan and strategize for SME and commercial loans portfolio and manage the existing lending portfolio of Business Centre (BC) accounts with a view to maximize returns for the Bank. To lead and provide support, supervision and guidance to the Assistant Relationship Managers / Relationship Managers (RMs) and other staff of the Centre.
Job Accountabilities
Sales & Portfolio Growth
- Drive achievement of lending targets as outlined in the Branch Centre (BC) Annual Credit Plan.
- Monitor and track sales performance of the centre and implement strategies to improve results.
- Provide leadership, guidance, and support to team members in executing the Bank's lending and business growth strategies.
- Identify opportunities to expand the loan portfolio while maintaining prudent credit standards.
- Ensure timely processing of credit applications and periodic credit reviews.
- Monitor loan portfolio quality and undertake proactive measures to maintain asset quality.
- Ensure service delivery standards are consistently met and customer requests are handled efficiently.
- Balance business growth objectives with sound risk management practices.
- Develop and maintain strong relationships with key customers through regular engagement and visits.
- Manage existing customer portfolios to maximize business opportunities and utilization.
- Identify and acquire new business relationships.
- Implement customer retention initiatives to strengthen loyalty and reduce attrition.
- Minimize non-performing loans (NPLs) through close monitoring and relationship management.
- Ensure full compliance with regulatory requirements, Bank policies, and AMLA obligations.
- Act as the centre's AML Liaison Officer.
- Champion Operational Risk Management (ORM) initiatives within the business unit.
- Serve as Business Continuity Planning (BCP) Coordinator and Operational Risk Coordinator (ORC).
- Liaise with Group Operational Risk Management (GORM) on risk and control-related matters.
- Prepare and maintain accurate portfolio, income, and management information (MIS) reports.
- Provide support and advisory assistance to other departments and business units on matters relating to the BC portfolio.
- Ensure management has timely and accurate information for decision-making and performance monitoring.
- Bachelor's Degree in Banking & Finance, Business Administration, Accounting, Economics, or related disciplines.
- Minimum of 10 years of banking experience, preferably in SME, Commercial Banking, or Credit-related functions.
- Strong knowledge of credit assessment, lending principles, and portfolio management.
- Good understanding of banking products, market trends, and economic developments.
- Excellent communication, presentation, and relationship management skills.
- Strong analytical, problem-solving, and stakeholder management capabilities.
- Demonstrates high integrity, accountability, and customer-centricity.
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