Developed an award-winning segment proposition and product for start-ups within the first year of joining.Development and implementation of credit underwriting guidelines, credit policies, monitoring of product portfolio, and relatively sound knowledge in risk.Direct report to Head, Business Development and as alternate member to Product Development Innovation Committee. Plans and oversees the Product Development unit to ensure deliverables are within the timely manner.Planning and execution in partnership collaborations to improve market outreach and market positioning.Conducts extensive research to ensure competitiveness of products and benchmarkingCompetitive knowledge in both Conventional and Islamic products for SME financingInvolve in development of digital mobile app in line with the evolution of digital era to transform SMEs towards digitisationWorks closely with Group Credit, Group Risk, Group Legal and Group Compliance and external partners such as CGC, SJPP, HDC.

Worked with external consultants such as McKinsey, Boston Consulting Group and Red&White Consulting for several projects to drive and implement new business initiatives bankwide. Channel Distribution/Branch Banking Management1. Development and implementation of sales business models for higher productivity and effectiveness 2. Review and realignment of branch distribution channel business structure3. Optimisation of branch distribution network and development of branch blueprint strategy (branch closure, new opening, relocation etc.)4. Managing of resources in the branch distribution channel (capacity planning for sales and operational)5. Cost management and maximising operational and capital expenditure for branches6. New investment related to branch infrastructure in line with the advancement of technology (includes system enhancement, new mobile device technology, voice recording etc)7. Deployment of alternative channels to expand the reach out and convenience for customers (automated machines)Sales Related & Customer Portfolio Management8. Customer Portfolio Management for sales staff strategy and implementation 9. Development of sales staff engagement rules 10.Roll-out of a new Sales incentive scheme11. Development and implementation of communication channels for effective broadcast of information to large distribution users12. Assist in the establishment of new teams/departments and review of functional job requirements, particularly Sales & Distribution Other projects include:13. Main contributor to re-design the loan origination system for credit14. Business process re-engineering for Account Opening - Individuals (solutions to improve turnaround time)15. Migration of non-individual customers to electronic usage, chequeless withdrawals16. Converting non-borrowing (non-individual) customers to borrowing customers17. Branch transformation

Portfolio Risk ManagementDevelopment of Credit Reporting DashboardDesign of revamp of Loan Origination System Management Information System for Credit AnalyticsCredit Policy & Product Renewals