• Competitive
  • Kuala Lumpur, Federal Territory, Malaysia
  • CDI, Plein-temps
  • Citibank Berhad
  • 18 oct. 17

Citibank Berhad KL - Unsecured Credit Initiation Head, Bankcard Credit Initiation

Citibank Berhad KL - Unsecured Credit Initiation Head, Bankcard Credit Initiation

  • Primary Location: Malaysia,Wilayah Persekutuan,Kuala Lumpur
  • Education: Bachelor's Degree
  • Job Function: Operations Credit Ops
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: No
  • Job ID: 17064470


  • Manage a team of Credit Managers / Officers processing unsecured consumer loan applications (Credit Card / Ready Credit / UPL / Citi Business / ODTD / Merchant)
  • To ensure applications are evaluated and approved in prudent manner within bank's Credit Policies / AML guidelines and Statutory Credit Lending Guidelines (BNM) within approving limits
  • To ensure suspicious cases are escalated to Fraud Division upon detection of any possible fraud elements to prevent losses to the bank
  • To ensure service standards on Turnaround Time for credit processing
  • To ensure unit supports Malls / Branches on extended hours to meet 1 hr Instant Card delivery
  • To work closely with Sales, Risk and Project teams during new product / process launches to understand new requirements for robust credit processing support including resource planning
  • To develop a professional working relationship with Cross Functional Units (i.e Sales / Risk / Tech / Bops / ITO) by maintaining proper professional attitude and positive disposition
  • To ensure timely dissemination of revised / new policies to credit officers.
  • To review MIS reports on key KPI's such as processing volumes by products, credit officers productivity, TAT's, aging application report, KRI Triggers and validate capacity requirements on regular basis
  • To review and submit in-country / Regional MIS on timely basis
  • Manage outsourced vendor (capacity, productivity, agreements etc) to ensure day to day operations are running smoothly
  • To ensure timely & quality project testing, system cut-over and production sanity tests are performed to avoid disruption to credit processing
  • Manage Unit's budget and Expenses Line/Tasks to ensure meeting Business Plan and formulate cost saving / re-engineering initiatives
  • To conduct a monthly meeting with all department staff to disseminate important information, share strategies / results and conduct periodic department huddles on Service Principles
  • Manage staff appraisal process, perform periodic performance feedback and manage day to day staffing issues
  • Identify Hi Potential staff and work closely on their career path through  added responsibilities, exposure to cross dept processes,  training,  personal mentoring / HR programs and overseas transfer opportunities(i.e LDP)
  • Monitor non-performers and formulate action plans with Unit Managers to address poor performance  through coaching/PSP(where applicable)
  • Ensure staff are provided with relevant training / skills to perform their work functions effectively
  • Dept Liaison for Important Reviews & Audits including BNM / KPMG / Internal & Regional Reviews
  • Ensure key processes are updated in LOP and reviewed periodically for updates
  • Ensure system security violations are acted upon in timely manner
  • To ensure and maintain clients satisfaction, with focus on quality and improvement
  • Lead Department staff activities to ensure staff get work-life balance


Bachelor's Degree in any of the following fields:
  • Banking and Finance
  • Business Administration
  • Economics
Key Requirements:
  • Be a hands-on manager
  • Solid operations experience gained in a retail bank, card company, other retail financial services institution or consumer credit provider. Minimum 12years experience
  • Ability to lead and drive digital / automation initiatives
  • Experience handling high volumes in a high-pressure environment.
  • Demonstrated strong understanding of the credit lifecycle.
  • Understanding of the people and change management issues unique to an operations environment
  • Cross cultural experience
  • Vendor management experience
  • Strong influencing capability
  • Strong analytical skills in addition to strategic and lateral thought processes
  • Planning & organizing skills
  • Process improvement focus
  • Sound knowledge of local consumer regulatory framework
  • Likely to be degree qualified in a relevant business discipline