Regional Director - Sabah (Group Enterprise Banking)

AFFIN Group; West Coast Division; On-site; MYR 120,000 - 180,000; Full time

Job summary

A prominent banking institution is seeking an experienced SME Banking Manager to lead the growth strategies in the Northern Region. The role involves overseeing portfolio management and optimizing loan processes. Candidates should have 7–10 years of banking experience with a focus on SME financing, strong leadership skills, and a comprehensive understanding of credit risk management. Proficiency in Microsoft Office is essential for this position, which also emphasizes relationship management with clients.

Qualifications

• Minimum 7–10 years of experience in banking, particularly in SME or commercial banking.
• Proven sales leadership and regional strategy skills.
• Strong knowledge of SME financing products and regulatory compliance.

Responsibilities

• Formulate strategies to grow the SME business in the Northern Region.
• Review performance of the business center to meet targets.
• Conduct regular meetings with top-end BC customers.

Skills

Sales leadership

Credit analysis

Portfolio management

Team management

Communication skills

Negotiation skills

Tools

Microsoft Office Suite

Financial systems

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

The role focuses on formulating strategies and setting direction to grow the SME business in the Northern Region, while managing and optimizing the existing portfolio to maximize earnings and minimize losses for the Bank. It also involves leading, supervising, and guiding Northern BC Heads and sales teams to achieve the Bank’s targets and objectives effectively.

Sales Management

• New loans according to targets specified under the Regional’s Annual Credit Plan.
• Review and track performance of business center.
• Provide expertise and advice to Portfolio team members, in implementing the Bank’s lending strategy.

Service Management

• Ensure promptness of credit processing and reviews for accounts under the portfolio.
• To monitoring and review activities to ensure loan assets are in line with the Bank’s desired quality.
• Manage processes to ensure compliance to prescribed level of service standards, and guidelines.

Client Relationship Management

• Conduct regular visits and meetings with top‑end BC customers to enhance banker‑customer relationship and service quality
• Support to implement customer retention as exit strategies.

Additional Responsibilities

• Provide support and assistance on inter‑departments within the Bank with matters relating to BC business portfolio.
• Ensure up‑to‑date status reports on loan portfolio, income and other MIS reports.
• Ensure compliance of AMLA and credit risk compliance issues.

Job Requirements

• Minimum 7–10 years in banking, with strong exposure to SME or commercial banking, credit analysis, and portfolio management.
• Proven track record in sales leadership, regional strategy, and branch operations.
• Experience in team management, including coaching and performance appraisal.
• Strong understanding of SME financing products, credit risk management, and regulatory compliance.
• Proficiency in Microsoft Office Suite (Excel, PowerPoint) and financial systems.
• Strong communication and negotiation skills to engage internal and external stakeholders