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Senior Manager, Trade Supply Chain Product, Trade Operations, Group Transaction Banking

Req ID:  8008
Job Description: 

 

  1. Reports To

          Head, Supply Chain Finance Product, Transaction Banking

 

  1. Portfolio Summary

The candidate is responsible for the overall management, profitability, innovation and governance of the Bank's Supply Chain Finance (SCF) product portfolio.

 

The incumbent develops product strategies, drives product commercialization, manages product lifecycle, ensures regulatory compliance, leads product digitisation initiatives and works closely with Corporate Banking, Commercial Banking, SME Banking, Operations, Technology, Risk, Compliance and external ecosystem partners to position BIMB as a leading Islamic Supply Chain Finance bank.

 

  1. Key Responsibilities
  1. Product Strategy & Portfolio Management
  • Develop and execute the Supply Chain Product strategy aligned with Transaction Banking and Bank-wide business objectives.
  • Manage the full suite of Supply Chain solutions including, but not limited to:
    • Distributor Financing
    • Vendor Financing / Vendor Payables
    • Receivables Financing / Receivables Purchase
    • Invoice Financing
    • Purchase Order Financing
    • Other Islamic Supply Chain Structures (example, Tawarruq, Murabahah, Commodity Murabahah and other approved Shariah concepts)
  • Drive product profitability, market penetration and revenue growth.
  • Conduct periodic portfolio reviews and identify opportunities for product enhancement, rationalisation and expansion.
  • Monitor market developments, customer needs, competitive offerings and emerging supply chain financing trends.

 

  1. Product Development & Innovation
  • Lead the design, development and implementation of innovative Supply Chain solutions.
  • Identify emerging opportunities within:
    • Digital Supply Chain Finance
    • API-Based Financing Solutions
    • E-Invoicing Ecosystems
    • ERP & Procurement Platform Integration
    • Digital Onboarding and Workflow Automation
    • ESG and Sustainable Supply Chain Solutions
  • Drive end-to-end digitisation initiatives across SCF products and customer journeys.
  • Collaborate with Technology, Operations, Digital Banking and ecosystem partners to automate and streamline financing & structuring processes.
  • Develop value-added ecosystem propositions connecting buyers, suppliers, distributors and strategic business partners.

 

  1. Business Growth & Commercialization
  • Manage product growth plans and revenue targets.
  • Support Corporate, Commercial & SME Banking teams in achieving Supply Chain business targets.
  • Develop industry-specific propositions for, but not limited to:
    • Manufacturing
    • Wholesale & Distribution
    • Construction
    • Healthcare
    • Halal Ecosystem
    • Oil & Gas
    • Telecommunications
    • Logistics
    • Government Supply Chains
  • Develop pricing models and profitability frameworks.
  • Execute product commercialization strategies and go-to-market initiatives.
  • Prepare sales toolkits, product materials, customer presentations and training programmes.
  • Provide product advisory support to relationship managers and sales teams.

 

  1. Stakeholder Management
  • Serve as the Supply Chain subject matter expert across the Bank.
  • Work closely with:
    • Corporate Banking
    • Commercial Banking
    • SME Banking
    • Treasury
    • Trade Operations
    • Risk Management
    • Compliance
    • Legal
    • Shariah Department
    • Finance
    • Technology & Digital Teams
  • Engage with regulators, industry associations, anchor corporates, fintechs, technology providers and strategic ecosystem partners.
  • Establish strategic collaborations to develop scalable supply chain ecosystems.

 

  1. Shariah, Regulatory & Risk Governance
  • Ensure all Supply Chain products remain fully compliant with applicable:
    • Bank Negara Malaysia (BNM) policy documents and prudential standards
    • Islamic Financial Services Act (IFSA), Financial Services Act (FSA), and other applicable Malaysian legislation
    • Foreign Exchange Policy Notices
    • Basel Framework and prudential regulatory requirements
    • AML/CFT/CPF requirements
    • Sanctions compliance and Trade-Based Money Laundering (TBML) controls
    • Shariah governance framework and Shariah standards
    • Data privacy, cybersecurity and technology risk requirements
    • Applicable tax, company, contract and stamp duty legislation
    • Internal product governance standards and risk management framework
  • Work closely with Shariah, Risk and Compliance teams in product structuring, approval and ongoing governance.
  • Ensure effective management of:
    • Product Risk
    • Operational Risk
    • Credit Risk
    • Concentration Risk
    • Technology Risk
    • Conduct Risk
  • Participate in internal committees, product governance forums and risk management discussions.

 

  1. Financial & Performance Management
  • Monitor:
  • Financing Income
  • Non financing Income
  • Supply Chain Asset Growth
  • Portfolio Utilisation
  • Product Profitability
  • Return on Assets (ROA)
  • Return on Risk-Weighted Assets (RORWA)
  • Cost-to-Income Ratio
  • Recommend strategic actions to optimise portfolio performance and profitability.

 

  1. Market Intelligence & Industry Development
  • Monitor Supply Chain developments in:
    • Receivables Finance / Receivables Purchase
    • Vendor Finance / Vendor Payables
    • Digital Lending
    • E-Invoicing
    • Open Banking & API Ecosystems
    • Islamic Banking
    • ESG and Sustainable Finance
    • Cross-Border Supply Chain Solutions
  • Benchmark Bank Islam's Supply Chain offerings against local and regional competitors.
  • Identify strategic partnerships that strengthen the Bank's supply chain ecosystem and digital financing capabilities.
  • Support the development of industry thought leadership and market awareness initiatives.

 

  1. Key Performance Indicators (KPIs)
    1. Financial
      • Supply Chain asset & revenue growth
      • Non financing income achievement
      • Product profitability
      • Portfolio utilisation growth
      • Wallet share increase
      • New programme onboarding value

 

    1. Customer
      • Customer acquisition and retention
      • Anchor corporate acquisition
      • Supplier and distributor onboarding volumes
      • Product utilisation rates
      • Customer satisfaction scores
      • Cross-sell penetration

 

    1. Operational
      • Programme onboarding turnaround time
      • Digital adoption rate
      • Product launch timelines
      • Straight Through Processing (STP) rate
      • Process efficiency improvements
      • Ecosystem participant growth

 

    1. Risk & Compliance
      • Zero regulatory breaches
      • Audit rating outcomes
      • Shariah compliance adherence
      • Portfolio quality indicators
      • Risk event management
      • Early warning and delinquency monitoring effectiveness

 

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