The Specialist, SME Lending Solutions at RHB Bank Berhad will play a key role in developing and managing lending products and solutions specifically tailored for Small and Medium Enterprises, with a focus on mitigating credit risks and enhancing our unsecured loan offerings.
Job Responsibilities:**
* Develop, implement, and manage a comprehensive suite of SME lending products and solutions, including unsecured loan options.
* Conduct thorough analysis of market trends, competitor offerings, and customer needs to identify opportunities for product innovation and improvement.
* Collaborate with sales, risk, operations, and legal teams to ensure seamless product development, launch, and ongoing management.
* Assess and manage credit risks associated with SME lending products, developing and implementing appropriate risk mitigation strategies.
* Monitor portfolio performance and provide recommendations for adjustments to product features, pricing, and policies.
* Provide expert guidance and training to sales and relationship managers on SME lending products and solutions.
* Ensure all lending solutions comply with internal policies, regulatory requirements, and industry best practices.
* Contribute to the strategic planning and execution of RHB Bank Berhad's SME lending initiatives.
Job Qualifications:**
* Bachelor's degree in Finance, Business Administration, Economics, or a related field.
* Minimum of 3-5 years of experience in credit risks, lending products, or lending solutions within the banking or financial services industry, specifically with a focus on Small Business Lending.
* Proven expertise in developing and managing Unsecured Loans for SMEs.
* Strong understanding of credit assessment methodologies and risk management principles.
* Excellent analytical, problem-solving, and decision-making skills.
* Ability to work collaboratively in a fast-paced and dynamic environment.
* Strong communication and interpersonal skills, with the ability to articulate complex concepts clearly.
* Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
Skills Required
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
- 3–5 years of experience in credit risk, lending products, or lending solutions within banking or financial services, with a focus on small business lending.
- Expertise in developing and managing unsecured loans for SMEs.
- Strong understanding of credit assessment methodologies and risk management principles.
- Excellent analytical, problem-solving, and decision-making skills.
- Ability to work collaboratively in a fast-paced and dynamic environment.
- Strong communication and interpersonal skills, including the ability to explain complex concepts clearly.
- Proficiency in Microsoft Office Suite, including Word, Excel, and PowerPoint.
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.
