Senior Manager, Industrial Hire Purchase - SME Banking Division

Duties and Responsibilities

• Assist the Head of Division in the Division’s overall business operations and management.
• Plan, manage and oversee the overall day-today business operation of their business account portfolios;
• Lead, manage, motivate, coach, support and drive a highly competent and motivated nationwide SME Industrial Hire Purchase Relationship Managers to provide excellent service quality to SME Division existing and potential customers, dealers, suppliers and vendors at all times;
• Managing heavy equipment and machineries dealer based business.
• Strategic alliance with potential dealers and drive business to bank.
• Plan, develop and implement department’s strategies and plans in line with the Division’s goals, strategies and long term plans to achieve Division’s goals;
• Plan, develop and implement strategies for business development and product enhancement, pricing setting and marketing of products & services to increase sales volume and asset portfolio;
• Develop and increase equipment portfolio size i.e. Hire Purchase Non-Act Goods.
• Keep abreast of current political, economic, business and market conditions and latest industry developments;
• Manage department members to ensure the origination of high value-added deals are in line with the Division’s goals;
• Manage sales and marketing processes for SME Banking’s asset portfolio;
• Manage business and Account Portfolio to ensure growth of asset portfolio and revenue, maximize wallet sharing and improve profitability;
• Nurture existing account portfolio, identify room for growth and ensure all accounts reviews are done in time;
• Manage peer relationship with Business Units and Business Support within SME Banking Division as well as other departments/divisions within the Bank;
• Identify strategic ventures and collaborations, new industrial hire purchase products, and process/feature improvements for existing products;
• Assist Division Head to develop and recommend business strategies & marketing plans for endorsement by Management and Board of Directors;
• Recommend financing proposals to approving committee(s), while ensuring the risk of Non Performing Loan (NPL) level is within the risk acceptable to the Bank;
• Acquire, establish and maintain close relationships and network with Bank’s valued customers and other business stakeholders;
• High level internal and external communication dealing with various departments/divisions within the organization, as well as dealing with senior level contacts in customers’ organization, industry bodies and external organizations.
• Working closely with external business development bodies to promote Islamic Industrial Hire Purchase market segments;
• Build Bank Islam Malaysia’s brand by communicating the relevant benefits to customers and public;
• Present credit proposal papers and other proposals to the financing/approving committees.
• Implement the Operational Risk Management (ORM) and Shariah Compliance Risk (SCR) process and tools for the department (if any).
• Ensure adherence and compliance to all internal policies/guidelines and external regulatory requirements.
• Perform any other duties/assignment as and when directed/assigned by the superior as per business requirement from time to time.

Job Requirements

• 10 years in banking and more than 5 years in managerial and supervisory function
• Strong leadership skill and able to manage and coach subordinate.
• Strong credit background with firm grasp of credit evaluation and processing.
• Proficient in oral and written English Language and Bahasa Malaysia.
• Good interpersonal and communications skills, able to deal and interact with people at all levels.
• Strong Industrial Hire Purchase product knowledge.
• Sufficient knowledge in Shariah compliant banking product’s structures.
• Outgoing and marketing oriented
• Result driven and passion for budget achievement
• Team player, independent and excellent negotiation skills.
• Committed and experience to drive subordinates to achieve the overall goal set by the Division.
• Ability to understand customer financing needs to ensure the delivery of appropriate facility structure.