Head, Public Sector

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JOB PURPOSE

The role of Head is to strategize and implement targets to meet the goals and requirements outlined by management and protect the Bank’s interest at all times through developing marketing strategies and soliciting business, diversifying through new-to-bank relationships, and cross-selling the Bank’s products and capabilities to corporate sector entities while maintaining cost-to-income discipline.

ACCOUNTABILITIES

CREDIT ACQUISITION

1. Lead the Team Members with a focus on originating deals, exceeding clients' expectations, and overall growth.
2. Responsible for managing a portfolio of existing and new customers with optimization of revenue through sound credit evaluation, wallet sizing, and account planning.
3. Consistently identify ways to maximize existing resources, i.e., the Relationship Managers, by leveraging own and RMs' credit knowledge and experience across various industry segments.
4. Reinforce a continuous improvement mindset by initiating innovative and achievable solutions that could become a benchmark for the industry.
5. Increase wallet sizing under Corporate Investment Banking space among existing and potential new clients through joint marketing, information sharing, and market intelligence.
6. Work closely with product partners across the Affin banking group to induce cross-selling of products.
7. Review and mitigate risks and group exposure.
8. Grow P&L by maximizing earning potential, reviewing, and monitoring revenue performance through effective client planning.
9. Monitor and promote higher utilization of facilities.
10. Promote good management of the Balance Sheet through collaboration with product partners.
11. Constantly monitor the “health” of accounts managed under the Public Sector team and conduct pulse checks on the accounts by tracking revenue performance.

CLIENT RELATIONSHIP MANAGEMENT

1. Understand customer business and related industries to improve relationship development.
2. Support, identify, solicit, and establish a high-value client base for the Bank.
3. Activate opportunities and risk criteria.
4. Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account.
5. Internal coordination/liaison with service delivery centers/HQ departments to maximize process efficiency and customer satisfaction.

SERVICE MANAGEMENT

1. Ensure promptness and quality of credit processing.
2. Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
3. Provide customer-level information to relevant parties within the Bank.
4. Facilitate the drawdown of facilities.

STAFF DEVELOPMENT

1. Build a high-performance culture by promoting individual and collective ownership and accountability of outcomes, including inculcating a high discipline work ethic.
2. Constantly improve business skills and participate in any recommended training program.
3. Maintain a high level of integrity and discipline.
4. Mentor and coach the Relationship Manager.
5. Identify training needs and recommend RM for development training.
6. Guide and advise the RM on portfolio management when necessary.

COMPLIANCE TO REGULATORY AND BANK’S POLICIES AND PROCEDURES

1. Comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency.
2. Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/Compliance.
3. Accurately assess the risk profile, suitability, and appropriateness of clients when marketing products and services by maintaining an accurate and up-to-date call report.
4. Manage the application of AML/CFT internal programs and procedures, including proper maintenance of records and reporting suspicious transactions.
5. Apply regulatory requirements such as KYC, AML/CFT, and procedures at all times.

Qualifications and Experience

1. Degree in Finance, Accounting, or any similar discipline.
2. Minimum 10 years experience in credit and corporate banking.

Skills and Knowledge

1. Able to work independently with a high degree of commitment and integrity.
2. Ability to monitor and delegate targets to staff to achieve financial targets and compliance.
3. Proactive and comprehensive in delivering content to senior internal stakeholders and clients.
4. Familiarity with banking procedures, policies, and guidelines both internally and externally with a thorough understanding of the client’s industry, business cycles, and other relevant factors.
5. Possess strong communication and excellent interpersonal skills and result-oriented.
6. Strong analytical skills and able to demonstrate good potential.
7. Assertive personality, initiative, and innovative.
8. Maturity in decision-making and problem-solving.

People are the heart of AFFIN BANK. We have a positive and supportive environment where we celebrate people’s personal growth and encourage them to be the best versions of themselves, both in the workplace and in their community.

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Join AFFIN as we evolve to become a financial institution of the future, embracing innovation and technology to deliver unrivaled customer service. We're looking for colleagues who share our values and are ready to live them every day.

AFFIN

"Always About You"
At AFFIN, we strive to always connect and engage with our customers, to understand their changing needs and aspirations better. It represents our passion and commitment to the community we operate in, enabling us to quickly respond to changes and provide a personalized experience.