Create your future with Affin! ​​You too can make a difference.

Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don’t just stay at the forefront of the industry – you can make a difference too.

JOB PURPOSE

JOB RESPONSIBILITIES

1. Product Development Expertise

• Strong knowledge of mortgage product. 
• Ability to develop new products from concept to launch i.e Australia Home , Yacht Financing, Home Reno etc. 
• Knowledge  in reviewing security documents for new product i.e letter of offer , standard term and conditions , facility agreement etc.   
• Experience in product pricing &  profitability analysis.
• Understanding of market trends, customer needs, and competitor offerings.

2. Regulatory & Compliance Knowledge

• Strong understanding of BNM Guidelines especially Policy Documents on  FEP, AML/CFT requirements, Responsible Lending , Consumer Protection requirements etc
• Ability to conduct gap analysis between Regulatory & Bank policy 
• Ability to translate regulatory requirements into operational policies and product features
• Experience in engaging  internal Compliance teams

3. Policy Formulation & Governance

• Drafting and reviewing Retail Product Program (RPP) , Product SOPs, and operational guidelines
• Establishing governance frameworks and approval processes
• Ensuring policies remain aligned with regulatory and business requirements

4. Knowledge of Risk Management

• Knowledge of credit risk, operational risk, compliance risk, and conduct risk
• Ability to identify risks during product design and implement mitigating controls
• Experience working with Group Risk Management and Group Compliance Division
• Understanding of portfolio performance and asset quality monitoring

5. Communication & Presentation Skills

• Excellent report writing and business communication
• Ability to prepare and present to Senior Management, Executive Committees, and the Board
• Strong policy drafting and regulatory correspondence skills

6. Project Management

• Managing multiple product initiatives simultaneously
• Leading product implementation and system enhancement projects
• Strong planning, execution, and monitoring capabilities
• Ability to manage timelines and cross-functional teams

7. Leadership & People Management

• Team leadership and coaching
• Talent development and succession planning
• Decision-making and problem-solving skills
• Ability to drive change and foster collaboration