Head, SME Regional Central 1 - Sales & Distribution, SME Banking Division

Req ID: 6964

Job Description:

Business Operations & Leadership:
- Oversee and manage the day-to-day operations of SME business account portfolios to ensure efficient service delivery.
- Lead, inspire, and support a dynamic team, fostering a culture of high performance, accountability, and customer-centricity.
- Coach and develop team members to deliver exceptional service quality to existing and potential customers.

Business Development & Strategy:
- Develop and implement business development strategies to enhance product offerings and increase sales volumes, while improving the asset portfolio.
- Stay informed on current political, economic, and market conditions, as well as industry developments, to drive business growth.

Portfolio Management & Sales:
- Manage and grow the SME Banking division’s asset portfolio by focusing on maximizing wallet share, profitability, and revenue.
- Monitor and manage sales and marketing processes for the division’s portfolio, ensuring alignment with organizational goals.
- Cultivate and nurture existing business relationships, identifying opportunities for growth and conducting timely account reviews.

Strategic Partnerships & Product Innovation:
- Identify and explore strategic ventures, new business opportunities, and product/process improvements for existing offerings.
- Recommend and facilitate collaborations with business stakeholders to drive the growth of Islamic Finance within the SME market segment.

Risk & Credit Management:
- Approve financing proposals in line with risk appetite and ensure Non-Performing Loan (NPL) levels are maintained within acceptable limits.
- Present credit proposals and other relevant documents to the appropriate financing/approving committees.

Relationship Management & Brand Building:
- Develop and maintain strong relationships with key customers, business partners, and stakeholders to drive mutual growth.
- Collaborate with external business development organizations to promote Bank Islam Malaysia’s brand and Islamic Finance offerings.
- Represent the bank by effectively communicating the value of products and services to customers, stakeholders, and the public.

Job Requirements:

A minimum of 10 years of experience in banking, with at least 5 years in leadership roles managing SME Banking portfolios or business development.
Proven leadership experience in managing teams and portfolios within the banking sector, specifically in SME Banking.
Strong knowledge of the SME market landscape, economic conditions, and financial products.
Ability to develop and execute strategic business plans, with a focus on growth and profitability.
Excellent communication and interpersonal skills, with experience in liaising with senior executives, customers, and external organizations.
Experience in managing risk and making credit-related decisions within a banking environment.