Head, Business Centre @ Affinbank

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.