Snr Specialist, SME Lending Solutions

RHB Bank Berhad; Malaysia; On-site; MYR 120,000 - 180,000; Full time

Job summary

RHB Bank Berhad in Malaysia seeks an experienced SME lending specialist to develop and manage a range of lending products, including unsecured SME loans. You will analyze market trends and collaborate with sales, risk, operations, and legal teams to bring products to market.

The role requires 3–5 years in credit risk and SME lending, strong analytical and communication skills, and proficiency with MS Office.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or related field.
• 3–5 years of experience in credit risk, lending products or lending solutions in banking, focused on SMEs.
• Proven expertise in developing and managing Unsecured SME loans.
• Strong understanding of credit assessment methodologies and risk management principles.
• Excellent analytical, problem-solving and decision-making skills.
• Ability to work collaboratively in a fast-paced environment.
• Strong communication and interpersonal skills, with the ability to articulate complex concepts clearly.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).

Responsibilities

• Develop, implement, and manage SME lending products and solutions, including unsecured loans.
• Analyze market trends, competitor offerings, and customer needs to identify product opportunities.
• Collaborate with sales, risk, operations, and legal teams to launch and manage products.
• Assess and manage credit risks, implementing risk mitigation for SME lending.
• Monitor portfolio performance and advise on features, pricing, and policy adjustments.
• Provide guidance and training to sales and relationship managers on SME lending.
• Ensure lending solutions comply with internal policies, regulations, and best practices.
• Contribute to strategic planning and execution of SME lending initiatives.

Skills

Credit risk experience

SME lending

Analytical thinking

Communication

Team collaboration

Decision making

MS Office

Problem solving

Education

Bachelor's degree

Tools

MS Office

Job description

Job Responsibilities

• Develop, implement, and manage a comprehensive suite of SME lending products and solutions, including unsecured loan options.
• Conduct thorough analysis of market trends, competitor offerings, and customer needs to identify opportunities for product innovation and improvement.
• Collaborate with sales, risk, operations, and legal teams to ensure seamless product development, launch, and ongoing management.
• Assess and manage credit risks associated with SME lending products, developing and implementing appropriate risk mitigation strategies.
• Monitor portfolio performance and provide recommendations for adjustments to product features, pricing, and policies.
• Provide expert guidance and training to sales and relationship managers on SME lending products and solutions.
• Ensure all lending solutions comply with internal policies, regulatory requirements, and industry best practices.
• Contribute to the strategic planning and execution of RHB Bank Berhad's SME lending initiatives.

Job Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field.
• Minimum of 3-5 years of experience in credit risks, lending products, or lending solutions within the banking or financial services industry, specifically with a focus on Small Business Lending.
• Proven expertise in developing and managing Unsecured Loans for SMEs.
• Strong understanding of credit assessment methodologies and risk management principles.
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to work collaboratively in a fast-paced and dynamic environment.
• Strong communication and interpersonal skills, with the ability to articulate complex concepts clearly.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).

A mantra for our clients, customers, partners and every member of the RHB family. Yes, you. Our employees are one of the reasons we are here today. Dynamic, forward-thinking and progressive, there is a reason why we are an award-winning financial institution. Join us today and be a part of a winning family. At RHB, we take pride in our people and our teams. Great relationships built on trust, a 'leading it right' environment, challenging assignments and a culture of excellence are the pillars to the dynamic and diversified workplace we call home. As we grow towards realising our aspirations, we promise a workplace built on the five pillars – RHB Cares; RHB Leads; RHB Inspires; RHB Progresses; and RHB Rewards.