Governance and operational excellence: Oversee and streamline processes, implement robust controls, and mitigate risks. Stay abreast of industry changes and best practices. Foster a culture of compliance, risk-based approach and data privacy.Lead and develop a high-performing team: Cultivate a collaborative and results-oriented team culture. Foster professional growth through mentorship and development programs. Optimize resource allocation for maximum efficiency.Drive strategic initiatives and build strong client relationships: Align operational strategies with broader business objectives. Identify opportunities for process improvement and innovation. Build trust and deliver exceptional client service.Portfolio Management and Optimization: Responsible for proactively monitoring portfolio of contracts to drive overall portfolio outcomes, including target revenue and profitability. Serves as the primary point of contact for all delivery escalations, addressing Cost of Poor Quality (COPQ), working directly with the operation managers to track and resolve open issues.Grows the Portfolio: Proactively monitors portfolio growth objectives, develops plans, and drives initiatives together with the operation managers for both extension, upselling and/or cross-selling opportunities.

1. Deliver client value by utilizing banking & financial services domain experience.2. Participate in business change projects / programmes with key capabilities in Requirements Management, Design, Process Re-engineering, Change and Implementation Management. 3. Utilize analytical /statistical tools (e.g. SAS) to develop strategic business insights and recommendations for process improvements and decision making.

1. Development, implementation and execution of credit policies and strategies to achieve quality bookings and better portfolio management.2. Conduct periodic review on Credit Card & Personal Loan (CCPL) portfolio to ensure optimal decision-making.3. Perform in-depth portfolio database studies on identified business issues.4. Provide all necessary credit risk support to Marketing and Sales in existing and new product initiatives. 5. Create and promote a MIS rich environment to support strategic and analytically based decision-making.6. Ensure compliance with the Group's standards and regulatory requirements, especially recently introduced responsible financing guidelines.

1. Provide core banking solutions and supports for deposit products2. Analyze business requirements and provide functional solution/design3. Authorize migration of programs to User Acceptance Testing (UAT)4. Manage and coordinate IT projects (Majoring in requirements gathering and UAT)

Worked in financial services industry under assurance department Had been part of the audit engagement team for companies namely EON Bank Berhad, JP Morgan Chase Bank Berhad, Bank of China (Malaysia) Berhad and Macquarie Capital Securities (Malaysia) Sdn. Bhd.Responsible for Risk Weighted Capital Ratio (RWCR) audit, Financial Institutions Statistical System (FISS) audit and statutory audit.