Jaya Balan Kathiravalu
Head , SME Banking
Summary
Dynamic leader with a proven track record at CIMB Bank Bhd, excelling in driving business to strengthened CIMB's position as top 3 SME Bank in the country. Focusing on building business from data driven insights and recognized for building good customer experience. Developed impactful improvement plans that aligned with organizational goals, driving efficiency and fostering teamwork across departments.
Overview
14
14
years of professional experience
Work History
Head , SME Banking
CIMB Bank Bhd
10.2018 - 10.2025
- Developed and delivered Forward 23 + results with asset growth of 1.7X , PBT exceeding target and achieving ROE targets.
- Developed strategic business plans to meet SME growth plans with targeted outcome of sustainable growth with improved asset quality exceeding industry standard.
- Improved CIMBs presence and role in supporting the business community reflected in the positive BPS for SME Banking .
- developed and implemented positive impact in financing through value based financing and enabling sustainability journey.
- Targeted and delivered 30% of financing to high tech and green sector that enabled CIMB to achieve highest share of exceeding 50% of the committed fund for High tech and Green Financing.
- Community events that fostered a sense of SME community and enriched the banking experience for customers and business communities.
- Implemented eduction program in collaboration with Taylors College to enhance and supported capability and capacity building programs with the SME community and provided continuous feedback for continuous improvement in academic performance.
- Implemented differentiated process improvement to digitize SME business and enabled journey transformation and designs to improve customer experiences.
- Continually pursued professional development opportunities to stay current with educational trends and research, ensuring high-quality value proposition to SME beyond banking and financing.
- Optimized customer experience by delivering superior services and effectively providing timely solution and advisory of various business needs.
- Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
- Developed effective improvement plans in alignment with goals and specifications.
- Helped meet changing demands by recommending improvements to business systems or procedures.
- Evaluated staff performance and provided coaching to address inefficiencies.
Head , Business Development
Maybank
09.2011 - 09.2018
- Developed and implemented the Retail SME operating model that delivered 25% growth of business and transformed SME business to the best business unit in Maybank.
- Established the operating model , credit program and architecture .
- Developed and implemented sales performance and management model
Education
MBA - Management
Northern University of Malaysia
Kedah 04.2001 -
Bachelor of Arts - Economic
University of Malaya
Kuala Lumpur 04.2001 -
Skills
Strategic Thinking
Networking and Business Development
Strategic Partnership and Collaborations
Process improvement
Strong analytical skills
Expertise in subject matter
Customer focus
Creative Problem Solving
Analytical skills
Stakeholder management
Training and mentoring
Accomplishments
- Developed new Retail SME operating model and delivered 25% growth and RM1B profit in 3 years of operations in Maybank
- Achieved 1.7X growth of assets in 5 years meeting Forward 23+ target and PBT exceeding RM1B to put CIMB as strong 3 rd largest SME bank in the country.
- CIMB is recognized as Best SME Bank by Quorus , Best Customer Experience and Innovation by Asian Banking, Top CGC and FI Partner Award for 5 consecutive years, TOP 3 SJPP Financial Institution Award supporting SJPP by Ministry of Finance.
Timeline
Head , SME Banking
CIMB Bank Bhd
10.2018 - 10.2025
Head , Business Development
Maybank
09.2011 - 09.2018
MBA - Management
Northern University of Malaysia
04.2001 -
Bachelor of Arts - Economic
University of Malaya
04.2001 -