The Role
The Associate Director will lead product development, strategy, optimization, and ensure compliance for Private Banking credit products, focusing on market analysis and process improvement.
Summary Generated by Built In
Key Responsibilities
1. Product Development & Maintenance
- Lead the design, enhancement, and lifecycle management of Private Banking credit products.
- Conduct market benchmarking to identify product gaps, enhancement opportunities, and innovation initiatives.
- Develop and maintain product documentation, including term sheets, operational workflows, and pricing frameworks.
- Manage product governance activities, including periodic product reviews, risk assessments, and policy updates.
2. Product Strategy
- Define and drive short‑ to long‑term product strategies aligned with business growth priorities and client needs.
- Analyze portfolio performance, client usage patterns, market trends, and competitive insights to guide product direction.
- Recommend strategic initiatives to enhance product profitability, risk‑adjusted returns, and client penetration.
- Collaborate with senior management to develop product roadmaps, business cases, and investment proposals.
3. End‑to‑End Process Optimization
- Map, evaluate, and streamline credit product processes from initiation to fulfilment, ensuring efficiency, scalability, and robust controls.
- Partner with Operations, Technology, Credit Risk, and Front Office teams to redesign workflows, automate manual processes, and reduce turnaround times.
- Drive digital and process transformation initiatives, including document simplification, straight‑through processing, and system enhancements.
- Establish, monitor, and report key process indicators to track performance and identify areas for improvement.
4. Regulatory & Policy Adherence
- Ensure all credit products and processes comply with applicable regulatory guidelines, internal credit policies, and risk frameworks.
- Coordinate product approvals through internal governance forums, risk committees, and senior management reviews.
- Work closely with Compliance and Legal to assess regulatory changes and translate new requirements into updated product standards.
- Maintain comprehensive product documentation, governance logs, and audit‑ready records.
Skills Required
- Experience in product development and management
- Knowledge of credit risk and financial products
- Strong analytical skills with market benchmarking experience
- Experience with regulatory compliance in banking
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The Company
What We Do
CIMB Group is a leading ASEAN universal bank, one of the largest Asian investment banks and one of the world's largest Islamic banks. We are headquartered in Kuala Lumpur, Malaysia and offer consumer banking, commercial banking, wholesale banking, Islamic banking, and asset management products and services. As the fifth largest banking group in ASEAN, we have over 36,000 staff in 16 locations across ASEAN, Asia and beyond. CIMB Bank and CIMB Islamic Bank are members of PIDM.
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