Digital Lending Business Manager - SME / Business Banking

GX Bank Berhad; Petaling Jaya; On-site; MYR 80,000 - 120,000; Full time

Job summary

A leading digital bank in Malaysia is seeking an experienced Digital Lending Business Manager for SME/Business Banking to manage and grow lending activities. Responsibilities include driving portfolio growth, developing strategies for the underserved MSME segment, and collaborating with product teams. Candidates should have over 7 years of relevant experience and strong financial analysis skills. This role is full-time and based in Petaling Jaya.

Qualifications

• 7+ years of experience in SME or business banking with a focus on lending and/or microfinancing.
• Experience in digitalising user journeys is a plus.
• Proven ability to manage a lending portfolio and develop market strategies.

Responsibilities

• Drive the growth of the MSME lending portfolio, ensuring the achievement of targets.
• Develop strategies to serve the MSME segment, tailoring products and services.
• Identify key market opportunities and perform deep dive research.

Skills

SME or business banking experience

Financial analysis

Communication skills

Negotiation skills

Education

Bachelor’s degree in Banking & Finance, Economics, Mathematics, Statistics, Engineering or a related field

Job description

Digital Lending Business Manager - SME / Business Banking page is loaded

Digital Lending Business Manager - SME / Business Banking

Apply locations Petaling Jaya (First Avenue) time type Full time posted on Posted Yesterday job requisition id R-2024-08-101186

Get To Know The Team

GX Bank Berhad - the Grab-led Digital Bank - is the 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

We are seeking an experienced SME/Business Banking Lending Manager to
manage and grow our SME/Business banking lending activities. This role is crucial in steering our lending portfolio and delivering tailored financing solutions to our business banking clients with a focus on the underserved Micro and SME (MSME) segment.

Responsibilities:

• Portfolio Growth: Drive the growth of the MSME lending portfolio, ensuring the achievement of targets while maintaining high service standards.

• Micro-SME Financing Strategy: Develop strategies to serve the MSME segment, tailoring products and services to support their growth.

• Market Benchmarking and Analysis: Identify key market opportunities and trends, analyse the opportunities to serve, and perform deep dive research to validate hypotheses on solutions that can address the opportunities.

• Financial Product Development: Collaborate with tech product teams to design and enhance lending products that cater to MSME customers.

• Engagement with Credit Risk: Work with the Credit Risk team to provide input during the conceptualization of lending programs and campaigns, ensuring alignment with risk policies and market opportunities.

• Partnership Development: Establish new partnerships with external partners to grow the lending customer base and expand market reach.

• External Stakeholder Engagement: Cultivate strong relationships with external stakeholders, such as credit guarantee organizations, credit rating agencies, and other relevant entities, to support and enhance MSME lending initiatives.

• Collaboration: Work closely with other teams in the bank including operations, data, customer service, compliance and marketing to ensure a seamless lending product and program launches.

Must haves:

• Bachelor’s degree in Banking & Finance, Economics, Mathematics, Statistics, Engineering or a related field.

• 7+ years of experience in SME or business banking, with a focus on lending and/or microfinancing.

• Experience in digitalising user journeys is a plus.

• Proven ability to manage a lending portfolio and develop market strategies.

• Strong financial analysis and decision-making skills.

• Excellent communication and negotiation skills.

About Us

GX Bank Berhad (GXBank) is Malaysia’s first digital bank that commenced operation on 1 September 2023. With a workforce of more than 95% Malaysians from both the finance and technology sectors, the bank aims to disrupt the current banking industry with customised innovative solutions that empower Malaysians to be financially resilient and support their financial goals. Powered by Grab, GXBank is a subsidiary of GXS Bank Pte. Ltd., – the digital bank joint venture between Grab Holdings Limited and Singapore Telecommunications Limited (Singtel) – and a consortium of other Malaysian investors, including Kuok Group.