Head, Business Centre

Affin Bank Berhad; Subang Jaya; On-site; MYR 180,000 - 320,000; Full time

Job summary

AFFIN BANK is seeking an experienced banking professional to plan and oversee SME and commercial loans portfolio within the Business Centre, aiming to maximize returns for the bank.

You will lead and support the Relationship Managers, supervise lending activities, ensure credit quality, regulatory compliance, and proactive client relationship management across the Selangor region including Subang Jaya.

Qualifications

• Bachelor's degree in Banking & Finance or related fields.
• Experience in credit assessment and lending principles.
• Strong portfolio management and stakeholder management skills.
• Excellent communication and customer-centric approach.

Responsibilities

• Drive achievement of lending targets as outlined for the BC portfolio.
• Monitor and improve sales performance of the centre and implement growth strategies.
• Provide leadership, guidance, and supervision to RMs and staff.
• Ensure compliance with AMLA, ORM, and risk management practices.
• Maintain client relationships and manage credit quality across portfolios.

Skills

Credit assessment

Lending principles

Portfolio management

Communication skills

Stakeholder management

Analytical thinking

Integrity & accountability

Customer-centricity

Education

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

Job description

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.

People are the heart of AFFIN BANK. We have a positive and supportive environment where we celebrate people’s personal growth and encourage them to be the best versions of themselves, both in the workplace and in their community. Join AFFIN as we evolve to become a financial institution of the future, embracing innovation and technology to deliver unrivaled customer service. We’re looking for colleagues who share our values and are ready to live them every day. Explore the exciting opportunities and make a real impact on the future of finance. Come be a part of our journey today!

"Always About You" At AFFIN, we strive to always connect and engage with our customers, to understand their changing needs and aspirations better. It represents our passion and commitment to the community we operate in, enabling us to quickly respond to changes and provide a personalised experience. At AFFIN, our people are aligned to our values of customer centricity, creativity and value creation. Our tagline “Always about you”, was crafted to drive loyalty and build our reputation as a creative and innovative financial organisation. Our people are at the heart of what we do and remain the focus of our customer centric culture. It’s about the initiatives we take in understanding and prioritising our stakeholders; our customers, employees and shareholders. As we venture through this metamorphosis journey, we are aware of their ever-changing needs and are embracing the new ways of this digital dimension. We put our hearts and minds into everything we do, to ensure that everyone we touch, receives unrivalled customer service.