Head, Business Centre

Affin Pheim; Malaysia; On-site; MYR 180,000 - 300,000; Full time

Job summary

Affin Pheim in Subang Jaya is seeking a seasoned Head of Business Centre to plan and strategize SME and commercial loans, oversee the lending portfolio, and drive returns for the bank. You will lead and mentor Assistant Relationship Managers, ensuring credit quality and service standards while growing the business.

A strong track record in credit, portfolio management, and client relationships is essential to succeed in this leadership role.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Lending principles

Credit assessment

Portfolio management

Relationship management

Analytical skills

Stakeholder management

Risk management

AML compliance

Education

Bachelor's Degree in Banking & Finance, Business Administration, Accounting, Economics, or related disciplines

Job description

Head, Business Centre# AFFIN CAREERS## Head, Business CentreApply: Subang Jaya: Full time: Posted Today: JR105646# **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*** 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. **Credit & Service Management*** 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. **Client Relationship Management*** 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. **Risk, Compliance & Governance*** 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. **Management Reporting & Stakeholder Support*** 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. **JOB REQUIREMENTS*** 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.