Banking Operation Team Lead - MSME and Corporate Loans

Get To Know Our GX Bank Team

GX Bank Berhad - the Grab-led Digital Bank - is the FIRST digital bank in Malaysia, approved by BNM to commence operations. We aim to leverage technology and innovation to serve the financial needs of the unserved and underserved individuals, and micro and small medium enterprises.

We are driven by our shared purpose and passion to bring positive transformation to the banking industry, starting with solutions that address the financial struggles of Malaysians and businesses.

Get To Know The Role

• Be our subject expert in our Business Banking Operations & Corporate Loans
• Collaborate with Product & Business Team, Customer Experience and business to create a robust operation process that delight our customers where it matters most.
• Use advanced data analytics to explore operations issues/opportunities, uncover insights and/or identify targeted areas for efficiency improvement and risk mitigation.
• Ensure day-to-day operations comply with the regulatory and internal requirements.
• Leverage technology to drive a high degree of digitalisation and scalability.
• Analyse potential pitfalls across the process cycle for product launches and system roll out, which may impact operations effectiveness.
• Drive higher degree of effectiveness of control measures. Use big data analysis to discover patterns and potential hot spots
• Process deposit and loan application, closely follow up on customer submissions until opening of business account or disbursement of the loans are completed.
• Improve the customers' journey to contribute to higher growth of the portfolio through more seamless user experience
• Drive iterative process improvements and work closely with cross functional teams to close the process risk gaps.
• Provide operational support for Business Account and corporate business related projects.
  

The Must-Haves

• Bachelor's degree in Business Administration, Finance, Economics, Engineering or related field.
• Minimum of 7-10 years of experience in Business Banking Operations
• Operational Oversight: Oversee all internal operations related to Business banking on our digital platform, including account opening, transaction processing, and ad-hoc handling.
• Process Management: Develop and implement streamlined processes and workflows for Business banking operations, leveraging digital journey coupled with manual handling techniques to ensure efficiency and accuracy.
• Quality Assurance: Conduct regular quality checks and audits to ensure compliance with regulatory requirements, internal policies, and service level agreements.
• Issue Resolution: Act as a point of escalation for complex customer edge-cases, complaints, and operational issues, providing timely and effective resolution to maintain high levels of outcome.
• Training and Development: Provide training and guidance to operations staff members to enhance their knowledge and skills in banking processes and procedures.
• Performance Monitoring: Establish key performance indicators (KPIs) and analyzing data to identify areas for improvement and optimization.
• Risk Management: Identify and mitigate operational risks associated with Business banking activities, implementing controls (e.g. maker-checker) and safeguards (e.g. access control) to ensure the security and integrity of customer data and transactions.
• Collaboration: Work closely with cross-functional teams, including product development, business, and customer service, to align MSME banking operations with overall business objectives and strategy.
• Possess prior experience and exposure in processing of business loan applications, will be an added advantage & preferred.
• Excellent organizational and time management skills, with the ability to prioritize tasks and manage multiple projects simultaneously.
• Good communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders.
• Knowledge of regulatory requirements and compliance standards governing MSME banking operations.
• Good team player and able to provide cross support within Banking Operation group