Jaya Balan Kathiravalu

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.