Head, House & Fixed Asset Financing (HFA), Retail Assets Division

Malaysia
Permanent
Full-time

1 month ago

Job Duties & ResponsibilitiesAs the Head of the House & Fixed Assets Financing (HFA) Department, you will lead the strategic direction, performance management, and operational execution of the Bank's HFA portfolio. This role is pivotal in ensuring product competitiveness, supporting business growth, managing risk and compliance, and enhancing customer satisfaction-while aligning with the Bank's broader retail financing goals and Shariah principles.1. Strategic Portfolio ManagementMonitor the performance of the HFA portfolio, ensuring product pricing and features remain competitive in line with market trends.Analyse portfolio trends and identify areas for improvement to enhance profitability and market positioning.2. Business Enablement & Channel SupportCollaborate with branch leadership to drive HFA sales performance, offering strategic guidance and training programs tailored to product knowledge and market needs.Design and execute integrated marketing campaigns-including digital outreach, social media content, and promotional materials-to support business targets.3. Product Strategy & ImplementationPartner with the Product Management Division (PMD) to develop, enhance, and implement Shariah-compliant HFA products and programs.Ensure readiness for product launches through coordination with key stakeholders (e.g., CFPC, CAD, CRD), system integration, staff training, and the development of marketing collaterals.4. Market Competitiveness & Product InnovationConduct periodic benchmarking and competitor analysis to assess pricing, product features, and promotional strategies.Proactively develop enhancement strategies to ensure HFA offerings remain market-relevant and customer-centric.5. Stakeholder & Government EngagementCollaborate with the Strategic Business Relations and Retail Banking Distribution teams to design tailored financing solutions for key employers and corporate clients.Actively support national housing initiatives and government-led programs that promote homeownership.6. Governance, Risk & ComplianceEnsure full compliance with internal policies, regulatory requirements, and BNM guidelines.Serve as the Designated Operational Risk Coordinator (DORC) to uphold standards in operational risk management and Shariah compliance.7. Customer & Stakeholder ManagementAct as the primary liaison for selected housing developers and governmental stakeholders on project and scheme-related matters.Ensure the timely delivery of reports and resolutions related to abandoned housing projects and public schemes.Evaluate and address internal requests involving special pricing, conditional approvals, and exception handling.8. Leadership & Talent DevelopmentLead, mentor, and develop a high-performing team, fostering a culture of service excellence and accountability.Design and deliver strategic training, briefings, and awareness sessions to build capability in HFA-related matters.Job RequirementsExperience

Minimum 15 years of relevant experience in retail banking or consumer financing, with at least 5 years in a leadership or strategic role.
Proven experience in developing and managing Islamic financing products, especially in home and asset financing.
Strong background in regulatory compliance, risk management, and operational governance.

Technical & Strategic Competencies

Deep understanding of Shariah-compliant financing structures and Bank Negara Malaysia (BNM) regulatory requirements.
Strong strategic planning and execution capabilities, with the ability to translate business goals into actionable plans.
Proficient in product lifecycle management, market analysis, and portfolio performance tracking.
Familiarity with digital marketing strategies and customer engagement techniques.

Leadership & Interpersonal Skills

Demonstrated ability to lead, coach, and develop high-performing teams.
Strong stakeholder engagement skills, with the ability to work cross-functionally and build consensus.
Excellent communication, presentation, and negotiation skills.
Results-driven, with a strong customer-centric mindset.

Analytical & Problem-Solving Skills

Advanced analytical and decision-making skills, particularly in performance review, pricing strategy, and business improvement.
Ability to identify process inefficiencies and propose effective, scalable solutions.

Bank Islam

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