Create the future with Affin! You too can make a difference. We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference. Job Purpose Plays a critical role in assisting Head, Product Development in: End-to-end development, enhancement, and management of product propositions for SME and Commercial banking customers. Driving product strategy, ensuring market competitiveness, regulatory compliance, customer relevance, and contributing to revenue and portfolio growth. Accountabilities Develop and execute product strategies for SME and commercial customer segments (e.g. working capital, term financing, trade, cash management, ESG solutions). Identify market gaps, customer pain points, and growth opportunities through research and data analysis. Collaborate with Risk Support and Asset Quality team to ensure credit underwriting guidelines are continuously refined using internal data sources such as post-mortem reviews, early warning indicators, delinquency trends, and portfolio performance analytics. Lead the design, development, and launch of new products and solutions, ensuring alignment with business objectives and customer needs. Manage the full product lifecycle including pricing, bundling, profitability, and sunset strategies. Drive continuous enhancement of existing products to maintain competitiveness and improve customer experience. Work closely with sales, credit, risk, legal, operations, compliance, IT, and marketing to ensure successful product delivery and adoption. Act as the product subject matter expert (SME) and provide advisory support to frontliners and internal stakeholders. Ensure all product offerings comply with internal policies, Bank Negara Malaysia (BNM) guidelines, and relevant laws and regulations. Embed risk awareness and controls in all product-related processes. Track product performance, portfolio growth, and profitability. Job Requirements Bachelor's Degree or equivalent and relevant working experience in the financial industry. Minimum 5 years' experience in banking with knowledge in the relevant business. Strong business lending products knowledge including Trade and FX. Preferably with Business Credit certification. Excellent in MS Excel and ability to apply relevant Excel formulas for critical data analysis. Must have proven attention to detail, with excellent analytical, critical thinking, and problem-solving skills by conducting root cause analysis and statistical analysis. Good at MS Power Point and presentation skill. Passion, high level of energy and strong sense of urgency for execution. Good communication skills and ability to work successfully with minimal supervision and perform under pressure. Show more Show less