AL ASHRAF MUSHID
Shah Alam
Summary
Seasoned Senior Banking Professional with over three decades of experience in Retail Banking. Expertise in Sales & Marketing, Credit Operations, Branch Operations, Compliance, and Portfolio Growth. Currently Head of Retail Sales at Kuwait Finance House (Malaysia) Berhad, excelling in revolutionizing branch networks, initiating campaigns, and achieving substantial growth in financing portfolios. Previous role at MBSB involved spearheading overhauls in credit operations and compliance. Eager to elevate contributions by focusing on Retail Banking transformation, customer excellence, and strategic portfolio expansion. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
32
32
years of professional experience
Work History
Head of Retail Sales Banking
Kuwait Finance House (Malaysia) Berhad
Kuala Lumpur, Wilayah Persekutuan
02.2007 - Current
- Lead national retail sales strategy covering branches, personal financing, mortgage, and auto financing.
- Achieved multi-year double-digit portfolio growth while maintaining strong asset quality.
- Designed and executed nationwide sales campaigns aligned with KFH brand positioning.
- Strengthened customer acquisition and retention through data-driven engagement models.
- Formulated and executed a comprehensive sales strategy for the Retail Banking division, aimed at fostering revenue growth, enhancing market penetration, and achieving profitability objectives.
- Drive the expansion of retail asset products (Personal Financing-i, Home Financing-i, Auto Financing-i, Deposits, Gold Accounts, Unit Trusts, and various Fee-Based Income Products) across all branches, ensuring a consistent double-digit year-on-year growth trajectory.
- Guide, mentor, and empower branch managers and their teams in fulfilling monthly and annual sales goals, enhancing cross-selling proficiency, and raising the standards of service delivery.
- Work closely with bancatakaful partners to offer value-added protection solutions.
- Design and execute nationwide sales campaigns to increase customer acquisition, engagement, and retention, aligned with brand and compliance requirements.
- Ensure that all sales activities adhere meticulously to Shariah principles, the regulations set forth by Bank Negara Malaysia (BNM), and the standards established by internal audits. Foster a culture of ethical selling and prioritize customer-centric practices.
- Strengthen client engagement frameworks to enhance customer experience, reduce attrition, and promote loyalty through digital and in-branch channels.
- Collaborate intimately with Product, Marketing, Credit, Operations, and IT to elevate customer offerings, optimize sales processes, and facilitate digital transformation initiatives.
- Develop high-performing sales teams through comprehensive training, meticulous performance management, and strategic succession planning initiatives to ensure enduring growth.
- Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
- Assisted in recruiting, hiring and training of team members.
Head of Automobile Financing
Kuwait Finance House (Malaysia) Berhad
Kuala Lumpur, Wilayah Persekutuan
11.2013 - 01.2019
- Develop and execute a comprehensive strategy for the Auto Financing business in alignment with the Bank's overall retail banking goals.
- Develop and implement business strategies to grow the Auto Financing-i portfolio, Block Discounting, and Auto Trading business lines.
- Oversee auto trading strategies, including procurement, financing, resale of vehicles (if applicable), and coordination with auction houses or inventory platforms.
- Identify and pursue new business opportunities, markets, and partnerships to grow the automobile financing portfolio.
- Build and strengthen relationships with car dealers, distributors, auto marketplaces, and corporate clients.
- Coordinate with Risk, Credit, and Operations teams to streamline approval processes and turnaround time (TAT).
- Monitor and evaluate individual and team performance and address gaps through structured development plans.
- Develop and manage the pricing framework, including profit rate structures, in line with market conditions and internal profitability targets.
- Maintained NPL ratio under 0.40% through quality control and staff upskilling.
- · Take ownership of end-to-end campaign planning, execution, and performance tracking to drive customer acquisition and retention.
Business Development Manager (Auto Business)
Kuwait Finance House (Malaysia) Berhad
Kuala Lumpur, Wilayah Persekutuan
12.2010 - 10.2013
- Managed the national automotive sales budget; enhanced market penetration through the on boarding of new dealerships.
- Established competitive product offerings based on market intelligence.
- Generated new business with marketing initiatives and strategic plans.
- Monitored market trends and competitor activities to identify areas of potential opportunity.
Head of Documentation & Disbursement
Kuwait Finance House (Malaysia) Berhad
Kuala Lumpur, Wilayah Persekutuan
07.2010 - 11.2010
- Led the Documentation & Disbursement unit, overseeing a team responsible for processing financing documentation and fund disbursement across multiple product lines.
- Liaised closely with Credit, Legal, Business Units, and Shariah (if Islamic financing) to resolve documentation discrepancies and facilitate smooth disbursement.
- Acted as the final checker for critical and high-value disbursement cases to ensure zero error and compliance integrity.
- Developed and enforced SOPs to streamline documentation and disbursement workflows, improving turnaround time and customer experience.
Credit Operation & Administration Manager
Kuwait Finance House (Malaysia) Berhad
Kuala Lumpur, Wilayah Persekutuan
02.2007 - 06.2010
- Ensure all documents comply with approved credit terms, internal policies, and regulatory standards.
- Manage the disbursement process in line with agreed terms and conditions, ensuring timely release of funds upon full compliance.
- Maintain and update credit limits, collateral information, and customer facility records in the system.
- Conduct periodic checks on documentation and system entries to ensure data integrity and reduce operational risk.
- Continuously review and improve operational workflows for efficiency, automation, and error reduction.
Head of Branch Supervision & Compliance
Malaysia Building Society Berhad (MBSB)
Kuala Lumpur, Wilayah Persekutuan
06.2006 - 01.2007
- Spearheaded compliance initiatives across the retail network, ensuring alignment with Bank Negara Malaysia (BNM) regulations and internal Standard Operating Procedures (SOPs).
- Ensured branches complied with Bank Negara Malaysia (BNM) regulations, Anti-Money Laundering/Counter Financing of Terrorism (AML/CFT) guidelines, and MBSB's internal policies.
- Evaluated operational risk exposure and recommended improvements to minimize potential losses or regulatory breaches.
- Supported the development and roll-out of new operational policies across branches.
- Reported branch performance, audit findings, and compliance breaches to senior management.
- Acted as the communication bridge between branches and Head Office on policy, compliance, and operational matters.
- Collaborated with Internal Audit, Risk, and Compliance departments on corrective actions and risk mitigation initiatives.
Head of Credit Operations & Administration
Malaysia Building Society Berhad (MBSB)
Kuala Lumpur, Wilayah Persekutuan
12.2003 - 05.2006
- Managed end-to-end credit processing activities including documentation, disbursement, and post-disbursement operations for retail financing (mortgage and personal financing) and also insurance unit.
- Streamlined credit operation workflows to improve turnaround time, enhance customer service, and reduce processing errors.
- Led a team of officers and executives, ensuring high performance, proper task delegation, and continuous process training and development.
Officer, Credit Processing & Marketing
Oriental Finance / Oriental Bank / EON Bank Berhad
Kuala Lumpur, Wilayah Persekutuan
11.1994 - 11.2003
- Managed RM300 million retail portfolio including Hire Purchase, Housing Loans, and Personal Loans.
- Played a key role in arrears management, litigation, and credit marketing during institutional transitions.
Account & ATM Officer
MBF Finance Berhad
Kuala Lumpur, Wilayah Persekutuan
06.1993 - 10.1994
- Handle account opening, updating, and closing.
- Oversee ATM operations by monitoring cash levels, coordinating timely replenishments, ensuring machines are operational, and resolving issues such as cash discrepancies or retained cards.
- Perform reconciliation of ATM transactions and account balances, and ensure accurate preparation of daily and monthly reports
Education
Diploma - Accountancy
Mara Institute of Technology
ArauSijil Pelajaran Malaysia - Grade 1
Han Chiang High School
Skills
- Team management
Effective team cohesion
Effective strategic planning
Sales strategy implementation
Problem-solving skills
Effective team leadership
Strategic decision-making
Sales proficiency
Critical thinking abilities
Responsive to new challenges
Personal Information
- Age: 55
- Date of Birth: 07/23/70
- Nationality: Malaysian
- Marital Status: Married
Timeline
Head of Automobile Financing
Kuwait Finance House (Malaysia) Berhad
11.2013 - 01.2019
Business Development Manager (Auto Business)
Kuwait Finance House (Malaysia) Berhad
12.2010 - 10.2013
Head of Documentation & Disbursement
Kuwait Finance House (Malaysia) Berhad
07.2010 - 11.2010
Head of Retail Sales Banking
Kuwait Finance House (Malaysia) Berhad
02.2007 - Current
Credit Operation & Administration Manager
Kuwait Finance House (Malaysia) Berhad
02.2007 - 06.2010
Head of Branch Supervision & Compliance
Malaysia Building Society Berhad (MBSB)
06.2006 - 01.2007
Head of Credit Operations & Administration
Malaysia Building Society Berhad (MBSB)
12.2003 - 05.2006
Officer, Credit Processing & Marketing
Oriental Finance / Oriental Bank / EON Bank Berhad
11.1994 - 11.2003
Account & ATM Officer
MBF Finance Berhad
06.1993 - 10.1994
Sijil Pelajaran Malaysia - Grade 1
Han Chiang High School
Diploma - Accountancy
Mara Institute of Technology
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