Job Responsibilities

1. Strategy, Financial Performance & Portfolio Management

• Develop and execute the overall Secured Financing strategy encompassing Auto Finance and Mortgage businesses.
• Own and manage the overall Profit & Loss (P&L), portfolio growth, profitability, market share, and balance sheet performance.
• Establish annual business plans, budgets, portfolio targets, and strategic initiatives aligned with the Bank’s objectives.
• Monitor and optimise portfolio profitability, pricing strategies, risk-adjusted returns, and cost efficiencies.
• Oversee portfolio composition, asset quality, delinquency trends, impairment levels, and recovery strategies.

2. Product, Partnerships & Market Development

• Provide strategic direction on the development and enhancement of secured financing products across conventional and Islamic financing solutions.
• Ensure product competitiveness through market intelligence, customer insights, and competitor analysis.
• Establish and strengthen strategic partnerships with vehicle dealers, property developers, real estate agencies, business alliances, insurance providers, and other ecosystem partners.
• Drive initiatives to enhance customer acquisition, portfolio retention, and market presence.
• Represent the Bank in industry engagements with regulators, industry associations, and strategic partners.

3. Operations, Technology & Customer Experience

• Oversee end-to-end secured financing processes, ensuring operational efficiency and service excellence.
• Drive process improvements, automation, and digital transformation initiatives to enhance customer experience and turnaround time.
• Ensure effective governance and enhancement of Loan Origination Systems (LOS) and supporting digital platforms.
• Strengthen data governance, reporting capabilities, and business analytics to support informed decision-making.
• Champion customer-centric initiatives across all secured financing touchpoints.

4. Risk, Governance & Compliance

• Ensure full compliance with Bank Negara Malaysia regulations, internal policies, governance frameworks, and Shariah requirements where applicable.
• Maintain effective risk management practices to safeguard portfolio quality and sustainable growth.
• Work closely with Credit, Risk, Compliance, Operations, and Asset Quality Management teams to strengthen controls and governance.
• Oversee the implementation of KYC, AML/CFT, sales conduct, and regulatory compliance requirements.
• Ensure policies, procedures, and business practices remain aligned with regulatory expectations and risk appetite.

5. Leadership & Stakeholder Management

• Act as the senior management representative for the Bank’s Secured Financing business.
• Provide strategic insights, portfolio updates, and recommendations to senior management and relevant committees.
• Foster collaboration across Community Banking, Credit, Risk, Operations, Technology, Finance, Marketing, and other key stakeholders.
• Lead, develop, and coach the Head of Auto Finance, Head of Mortgage Business, and broader leadership team.
• Drive succession planning, talent development, and a high-performance culture across the division.

Job Requirements

• Bachelor’s Degree in Business, Finance, Economics, Banking, or a related discipline.
• Professional banking or financial services qualifications will be an added advantage.
• Minimum 15 years of banking experience with significant exposure in Auto Finance, Mortgage Financing, Consumer Lending, or related secured financing businesses.
• Minimum 8–10 years in senior leadership roles with accountability for business performance, portfolio management, and strategic execution.
• Proven track record in driving portfolio growth, profitability, and asset quality.
• Experience managing large-scale business portfolios and multi-functional teams.
• Strong knowledge of Auto Finance, Mortgage Financing, Consumer Banking, and Retail Lending.