Head, Business Centre

AFFIN Group; Subang Jaya; On-site; MYR 120,000 - 180,000; Full time

Job summary

AFFIN Group is seeking an experienced banking professional to plan and manage SME and commercial loan portfolios, leading a team of Relationship Managers within the Business Centre. You will drive lending targets, monitor credit quality, ensure regulatory compliance, and foster strong client relationships across the portfolio.

The role emphasizes risk management, reporting, and strategic growth within a dynamic banking environment.

Qualifications

• Bachelor’s degree in Banking & Finance, Business Administration, Accounting, Economics, or related fields.
• 10+ years banking experience, preferably SME, commercial banking or credit.
• Strong knowledge of credit assessment, lending principles, and portfolio management.
• 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.
• Leadership and guidance to staff within the Centre.

Responsibilities

• Drive achievement of lending targets as outlined in the Branch Centre Annual Credit Plan.
• Monitor and improve sales performance of the centre.
• Provide leadership and guidance to team members in lending and growth strategies.
• Identify opportunities to expand the loan portfolio with prudent credit standards.
• Ensure timely processing of credit applications and periodic reviews.
• Monitor loan portfolio quality and maintain asset quality.
• Balance growth objectives with sound risk management practices.
• Develop and maintain strong relationships with key customers through regular engagement.
• Manage existing portfolios to maximize business opportunities and retention.
• Identify and acquire new business relationships and reduce attrition.
• Prepare MIS reports and provide advisory support to other departments.

Skills

Credit assessment

Portfolio management

Relationship management

Risk management

Communication

Analytical thinking

Stakeholder management

Leadership

Education

Bachelor's degree in Banking & Finance

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.