Senior Specialist, Business Banking Operation

GXBank is the FIRST digital bank in Malaysia approved by Bank Negara Malaysia (BNM). Backed by Grab, our mission is simple yet powerful: to leverage cutting-edge technology to serve the unserved and underserved—the everyday Malaysians and MSMEs who need it most.

We are a team driven by passion, innovation, and a shared purpose to redefine the financial landscape. If you're tired of legacy systems and want to build something that truly matters, you belong here.

What You'll Be Doing:

• Be our subject expert in our Business Banking Operations & Corporate Loans

• Collaborate with Product; Business Team, Customer Experience and business to create a robust operation process that delight our customers where it matters most.

• Use advanced data analytics to explore operations issues/opportunities, uncover insights and/or identify targeted areas for efficiency improvement and risk mitigation.

• Ensure day-to-day operations comply with the regulatory and internal
  requirements.
  ○ Leverage technology to drive a high degree of digitalization and
  scalability.
  ○ Analyze potential pitfalls across the process cycle for product
  launches and system roll out, which may impact operations
  effectiveness.
  ○ Drive higher degree of effectiveness of control measures. Use big
  data analysis to discover patterns and potential hot spots
  ○ Process deposit and loan application, closely follow up on
  customer submissions until opening of business account or
  disbursement of the loans are completed.
  ○ Improve the customers' journey to contribute to higher growth of the portfolio through more seamless user experience

• Drive iterative process improvements and work closely with cross
  functional teams to close the process risk gaps.

• Provide operational support for Business Account and corporate business related projects.

Who We Are Looking For:

• Bachelor Degree in Business Administration, Finance, Economics, Engineering or related field.

• Minimum of 7 years of experience in Business Banking Operations

• Operational Oversight: Oversee all internal operations related to Business banking on our digital platform, including account opening, transaction processing, and ad-hoc handling.

• Process Management: Develop and implement streamlined processes and workflows for Business banking operations, leveraging digital journey coupled with manual handling techniques to ensure efficiency and accuracy.

• Quality Assurance: Conduct regular quality checks and audits to ensure compliance with regulatory requirements, internal policies, and service level agreements.

• Issue Resolution: Act as a point of escalation for complex customer edge-cases, complaints, and operational issues, providing timely and effective resolution to maintain high levels of outcome.

• Training and Development: Provide training and guidance to operations staff members to enhance their knowledge and skills in banking processes and procedures.

• Performance Monitoring: Establish key performance indicators (KPIs) and analyzing data to identify areas for improvement and optimization.

• Risk Management: Identify and mitigate operational risks associated with Business banking activities, implementing controls (e.g. maker-checker) and safeguards (e.g. access control) to ensure the security and integrity of customer data and transactions.

• Collaboration: Work closely with cross-functional teams, including product development, business, and customer service, to align MSME banking operations with overall business objectives and strategy.

• Possess prior experience and exposure in processing of business loan applications, will be an added advantage & preferred.

• Excellent organizational and time management skills, with the ability to prioritize tasks and manage multiple projects simultaneously.

• Good communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders.

• Knowledge of regulatory requirements and compliance standards
  governing MSME banking operations.

• Good team player and able to provide cross support within Banking
  Operation group.