Head, Business Centre

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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.