Service Partner Lead, Retail Credit

Working Hour - Regular Hours - Monday - Friday- Business Area - Community Banking- Location - Malaysia - Kuala Lumpur- Description **Primary Objective**: - Responsible for overall credit evaluation, end financing assessment and provide guidance/directions on the key initiatives of the department to achieve targeted level of portfolio quality and profitability to be in line with overall business direction and risk management framework. - Leads a team of credit approvers to ensure high standard credit quality of the portfolio by using various credit assessment tools. - Engages the development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members - Manage policy/business guideline, analytics, credit evaluation and approval functions and provide guidance/directions on the key initiatives of the department to achieve targeted level of portfolio quality and profitability to be in line with overall business direction and risk management framework. - Execute the Service Partner strategy and ensure value delivery from teams, by curating the team's performance (managing the "what" and holding responsibility of the outcome of the circle) and initiate continuous improvements in the circle based on customer needs - System Support - Responsible to support CDE and CCRIS matters on all administrative work related to FLASH and able to provide constructive feedback for continuous improvement in Group Retail Credit - Project Management - Responsible for planning, organizing and leading projects while ensuring completion of projects on time, within budget and scope. Credit Transformation & Process Reengineering to improve the performance of key processes with the aim to reduce costs and cycle times by eliminating unproductive activities and locating work in the most efficient and effective environment. **Key Responsibilities**: Vision and Value delivery: - Determine a strategy, in alignment with Group Community Banking to deliver the long term target for the Retail Credit Service Partner - Align with CoE Lead on the objectives of the teams and remove any misalignment - Disseminate purpose, mission & direction and ensure that all team members are aligned to the purpose - Execute the CoE Lead’s strategy and ensure value delivery from teams, by curating the team's performance - Continuously engage other CO/stakeholders to align on priorities and major dependencies - Regularly review report on team performance and examine areas for improve Continuous improvement of performance: - Manage overall priorities and productivity to ensure target set are met - Ensure that resources in the Department are effectively managed and rotated to develop multitasking individuals - Actively explore and assess opportunities for improvement (in alignment with CoE Lead), and identify feasible steps for the Circle to achieve the improvements - Understand and communicate performance target and initiatives to Team Leads - Regularly review report on team performance and examine areas for improvement - To manage and drive the continuous process improvement towards achieving efficiency of credit evaluation - Always work on to improvise or automate the process/policy/manuals for operational efficiency and eliminates the error from manual intervention. Coordination & prioritization: - Clearly communicate objectives to Team Leads to motivate, inspire and foster delivery - Regular meetings with Sales team and branches - Continuously engage other CO/stakeholders to align on priorities and major dependencies - Attend to appeal cases from higher level of Sales management team and provide the necessary feedback to improve the submission quality. - Perform Post mortem on NPL cases to study the trend & loopholes, while learning and improving the assessment on moving forward cases. Attend the monthly post mortem review with Product, Risk and Collection to share the finding and propose on areas that need to be analyzed by Risk. - Attend the Monthly Credit Review meeting, sharing and identifying the policy rules changes required as to improve booking quality. - Involve and coordinate in the credit policy guideline review within the division or with stakeholders - Liaise cross functionally and maintain close working relationship with other Business Units within the Bank to achieve Bank’s overall goals for example Risk Modeling, Credit Risk Management, Branches, Sales, Easy, Collection and etc. - Ensure any comments / feedback from any sources are being diagnosed, analyzed and continued to be improved on. Support and team management: - Refine and clarify key issues faced by team members - Managing talent portfolio within each section by unleashes the potential within staff via coaching, on job training etc. - Ensure consistent decision making among the credit analysts through consistent briefing, coaching and training - Ensure credit policies/operation