MOHAMMAD ADIF ALJUHARI

Managing Retail Deposits, Government and GLCs Funds.

• Developed and launched new deposit products.
• Implemented a pricing strategy that optimized profitability while maintaining competitive pricing.
• Conducted regular reviews of deposit product performance and made recommendations for improvements.
• Successfully solicited and secured wholesale deposits from Government, corporate and institutional clients.
• Negotiated favorable terms, including profit rates and fees, with wholesale depositors.
• Managed liquidity risk by monitoring deposit maturities and maintaining adequate liquidity reserves.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Developed strong relationships with key wholesale clients to ensure long-term partnerships.

• Department: Personal Financial Services-I (Consumer Banking)
• Distribution and Marketing: Property Financing, Personal Financing, Hire Purchase, ASB financing, Investment product and Debit Card-i
• Plan, training, review and drive Islamic Consumer business growth with an emphasis to position the bank as niche service provider for the Malay mass affluent segment
• Distribution: Drive performance and monitoring the performance of the Islamic financing product
• Organize/support and ensure implementation of sales event for branches nationwide including of sales counter and sales talk to corporate companies
• Conducting ASB Financing product training all the new joiner
• Conducting Term Investment Account and Portfolio Investment Account training to all Branch Operation Manager
• To monitoring ASB financing submission, approval & disbursements performance
• Initiate campaign to boost sales performance for ASB Financing and Personal Financing-I product
• Involving in financing system enhancement
• Attending all regions meeting to update on monthly performance
• Conducting Debit Card-i Training to all new and existing staff

• Responsible for branch's performance in sales, service and compliance
• Guide, motivate and drive branch staff towards achieving shared goals
• Develop new business and maintain strong relationship with customers and the community
• Maintain branch safety and security standards
• Develop and execute business plan and strategy in line with achieving the branch contribution to profitability and growth
• Lead and manage the sales force in achieving the desired sales targets
• Be responsible with overall customer satisfaction, service quality and branch operational efficiency
• Establish business contacts and manage relationships for expansion of business opportunities

• Major responsibility – to achieve the sales targets as given and to manage own sales activities
• To maintain my own selling skills/ cross selling skills in order to confidently and motivate
• Adheres to strict discipline and performs administration works such as Daily log in attendance and submission of daily sales reports
• To develop and implement effective sales plans
• Actively work and participate on roadshows and counters on own effort or working together with other team members to achieve the desired sales result to ensure that operation procedure is maintained within stipulated guidelines

• Responsible for consistently meeting sales targets and strive to achieve the sales targets working together with team members/Managers to plan sales activities
• Adheres to strict discipline and performs administration works such as Daily log in attendance and submission of daily sales reports
• Actively work and participate on roadshows and counters on own effort or working together with other team members to achieve the desired sales result
• Responsible in implementing all service improvement measures and initiatives developed by the Bank within the stipulated timeframe set
• Acts as a liaison with internal departments/other branches to meet customer’s needs/demands and to provide quality service to these customers
• Works closely with the team members/Managers on complaints and actively participates in solving the matter by providing accurate information, solutions and alternatives