Overview:
We are looking for a Process Specialist to drive the digital transformation of SME lending products and optimization of existing channels. This role will bridge business and technology teams to enhance lending processes, simplify customer experience, and optimize operational efficiency.
Key Responsibilities:
1. Business & Process Analysis – Analyze SME lending workflows, identify bottlenecks, and recommend process improvements.
2. Risk assessment - Provide risk-based feasibility assessments to product squads and project teams during the design and development of SME digital solutions, ensuring proposed changes align with regulatory, operational, and compliance requirements. Contribute expertise in defined business and operational processes to support team initiatives.
3. Control validation - Ensure controls are embedded in digital journeys (e.g., system validation, user access, maker-checker, exception handling)
4. Digital Product Optimization – Work with product, tech, and operations teams to enhance loan applications and commercial card processes.
5. Data-Driven Insights – Gather, analyze, and interpret data to improve loan approval rates, turnaround time, and customer conversion.
6. Requirement Gathering & Documentation – Translate business needs into clear requirements for system enhancements and automation.
7. Stakeholder Collaboration – Work closely with risk, credit, credit operations, and Tech teams to align business objectives with digital solutions.
8. Competitor & Market Research – Benchmark SME lending offerings, identifying best practices and areas for competitive advantage.
9. User Testing & Validation – Assist QA to ensure system enhancements meet business needs through rigorous testing and feedback collection.
10. Regulatory & Compliance Support – Ensure product changes align with banking regulations and internal policies.
11. Automation & Efficiency Improvements – Identify opportunities for digitization and automation to improve processing speed and accuracy.
12. End to end Project Implementation – Assist in the implementation of SME lending initiatives, up to go live and continuous improvements.
Requirements:
- Strong analytical, problem-solving, and communication skills.
- Strong drive for excellence and grit to get things out to market.
- Prior experience with retail/ SME credit systems/ loan origination platforms or product ownership roles in financial institutions/ fintech is a plus.
- Bachelor’s degree in Banking, Finance, IT, or related field.
Skills Required
- Strong analytical, problem-solving, and communication skills
- Experience with retail/SME credit systems
- Bachelor's degree in Banking, Finance, IT, or related field
What We Do
We are a multinational regional financial services provider that is committed to deliver complete solutions to our clients through differentiated segment offerings and an ecosystem that supports simple, fast and seamless customer experience, underpinned by cohesive and inspired workforce and relationship built with stakeholders Headquartered and listed in Malaysia, RHB Banking Group is the longest established local bank, formed though the mergers of several banks, the oldest of which was founded in 1913. RHB Banking Group and its subsidiaries provide a full range of services ranging from retail banking, business banking, corporate and investment banking, Islamic banking, transaction banking to treasury, insurance, asset management, private equity and stockbroking services. TOGETHER WE PROGRESS Our strong heritage is the foundation of our commitment to continue serving the community. For over a 100 years, we have been helping people and businesses grow and succeed, and will continue to do so. Our experience gives us an in-depth understanding of the needs of our customers and partners, inspiring us to constantly innovate and improve to serve them better. With their unending support, we have established ourselves with a strong footprint throughout Malaysia and we are now present in 9 other countries across the ASEAN region. We hope our legacy and pursuit for excellence continues as we tirelessly cultivate and nurture the next generation through our actions and words, preparing a brighter future ahead. We thank those who believe in us and welcome everyone to join us on our exciting journey of progress. The time has come for us to move forward in unison, to realise our greater potential together. Our new brand promise "Together We Progress” honours our past, celebrates the present and welcomes the future. We invite you to join us as we work towards a better and brighter future for all.
