Assistant Manager, Business Banking - Coverage (Penang)

AEON Bank; Seberang Perai; On-site; MYR 90,000 - 150,000; Full time

Job summary

AEON Bank is seeking a Business Coverage Relationship Manager to aggressively acquire SME and Commercial Banking clients, manage portfolios, and deepen high-touch engagement. You will promote BCA-i, term deposits, and Shariah-compliant financing while leveraging digital onboarding, API integrations, and partner ecosystems to expand deposits and share of wallet.

The role requires 3–10 years in Business/SME Banking, strong credit analysis skills, and excellent stakeholder management.

Qualifications

• Bachelor's degree in Business, Finance, Economics or related field.
• 3 to 10 years of experience in Business/SME Banking Coverage or Commercial Relationship Management.
• Experience in business lending, financial statement analysis, credit structuring, and portfolio management.
• Strong understanding of Shariah-compliant commercial banking products and digital banking platforms.
• AICB certification preferred.

Responsibilities

• Originate and manage a high-value SME/Commercial Banking portfolio to grow deposits and financing.
• Identify NTB customers and promote BCA-i, term deposits, and Shariah-financing solutions.
• Drive non-funded income and cross-sell digital banking products and cash management.
• Collaborate with partnerships to generate leads and ensure smooth digital onboarding and API integrations.

Skills

Credit analysis

Portfolio management

Relationship management

Shariah-compliant products

Strategic networking

Communication skills

Education

Bachelor's degree

Tools

APIs

CRM systems

Credit underwriting software

Job description

The primary role of the Business Coverage Relationship Manager (RM) is to act as the face of AEON Bank for SME and Commercial Banking clients. The incumbent is responsible for aggressive customer acquisition, portfolio management, and driving high-touch client engagement, focusing on deposit growth, CASA acquisition, and high-quality Shariah-compliant financing.

Operating in a fast-expanding digital banking environment, the RM will leverage strategic partner ecosystems (such as ACSM, merchant networks, and supply chains), automated underwriting workflows, and modern API/ERP-driven cash management products to scale market outreach and maximize share of wallet.

• Proactively originate, onboard, and manage a high-value portfolio of SME and Commercial Banking clients across targeted industry sectors to achieve deposit and financing expansion targets.
• Identify and acquire new-to-bank (NTB) customers, actively pitching Business Current Account-i (BCA-i), Term Deposits, and tailored Shariah-compliant financing solutions.
• Drive non-funded income and cross-sell core digital banking products, including payroll integration, merchant acquiring (QR/POS), FX, and cash management solutions to increase share of wallet and build sticky relationships.

2. Ecosystem & Partnership Management

• Actively mine strategic partner ecosystems, trade associations, and corporate networks (including ACSM merchant referral programs and supply chains) to generate high-converting leads.
• Operationalize strategic partnerships in close coordination with internal partnership and sales support teams to convert ecosystem leads into active, transacting clients.
• Guide clients through digital onboarding workflows, host-to-host integrations, and API/ERP-driven banking interfaces to drive rapid product adoption.

3. Risk Management & Credit Analysis (First Line of Defense)

• Perform thorough credit evaluation, site visits, financial statement analysis, and cash flow modeling to structure sound financing facilities that meet client needs while mitigating credit risk.
• Partner with risk, credit approval committees, and automated underwriting engines to expedite facility approvals while maintaining high underwriting standards.
• Conduct ongoing portfolio monitoring, annual reviews, and early warning tracking to proactively detect delinquency, fraud, or credit downgrades.

4. Compliance, KYB & Operational Excellence

• Enforce strict compliance with Anti-Money Laundering (AML), Countering Financing of Terrorism (CFT), Know-Your-Business (KYB), and Customer Due Diligence (CDD) standards in accordance with internal procedures
• Identify Ultimate Beneficial Owners (UBO) and carry out required Enhanced Due Diligence (EDD) for high-risk merchant segments.
• Collaborate with Product, Operations, and Tech teams on user acceptance testing (UAT), digital workflow optimizations, and platform enhancement feedback.

Requirement

• Bachelor's degree in Business Administration, Finance, Economics, or a related field.
• 3 to 10 years of experience in Business/SME Banking Coverage or Commercial Relationship Management, with proven expertise in business lending, financial statement analysis, credit structuring, and portfolio management.
• Strong understanding of Shariah-compliant commercial banking products and digital banking platforms.
• AICB certification (e.g., Certified Credit Executive or Specialist Certificate in Business Credit) is highly preferred.
• Excellent communication, strategic networking, and stakeholder management skills to foster long-term client loyalty.