MOHAMMAD ELFI ZULKEFLEE
RELATIONSHIP MANAGER
Kuala Lumpur,14
Summary
Dynamic banking professional with over a decade of experience in the financial sector, specializing in transaction banking, Islamic banking, and sales. Proven track record of driving results through strategic relationship management and innovative solutions tailored to client needs. Expertise in navigating complex regulatory environments while delivering exceptional service and fostering long-term partnerships. Committed to leveraging extensive industry knowledge to enhance organizational success and elevate client satisfaction.
Overview
13
13
years of professional experience
5
5
Certifications
3
3
Languages
Work History
Relationship Manager
Bank Muamalat Malaysia Bhd
01.2026 - Current
- Source and acquire new-to-bank customers
- Meet sales targets for Financing, CASA / deposits/ Trade facilities/ FX/ Treasury products, Takaful
- Build, manage, and deepen relationships with SME/commercial
Trade Sales Manager
Bank Muamalat Malaysia Bhd
04.2021 - 12.2025
- Specialist Islamic Trade Fiance products and solutions. Involved in sales activities to increase Trade asset and fee income growth
Relationship Manager
Standard Chartered Bank Bhd
04.2018 - 03.2021
- Hunt for New to Bank Current account for CASA, fixed deposit, FX transactions and insurance.
Business Development Manager
Citibank Bhd
08.2017 - 04.2018
- Hunt for New to Bank customers and managing portfolio of Commercial Card Assets.
- Provide solution of Citibank and Visa Expense Management Solutions
Portfolio Manager (Commercial Banking)
CIMB Bank Bhd
01.2016 - 07.2017
- Hunt for New to Bank- Current account, fixed deposit, FX transactions.
- Manage and grow portfolio of high value segmentation- approximately 360 accounts current account, fixed deposit, FX transactions, cash management.
Business Development Manager
RHB Islamic Bank Bhd
06.2013 - 12.2015
- Manage client accounts and build relationship for new clients Government Link Companies & Corporate Clients
- Propose customised cash management solution
Education
Master of General Management -
HFT Stuttgart
Stuttgart, Germany01-2024
Master of Business Administration - undefined
MARA Technology of University (UiTM)
01-2024
Bachelor Degree of Administrative Science - undefined
MARA Technology of University (UiTM)
01-2012
Diploma in Public Administration - undefined
MARA Technology of University (UiTM)
Skills
Sales Management
Leadership and Management
Relationship Management
Transaction Banking
Islamic Banking
Sustainability Management and Reporting
Sustainable finance expertise
Certification
Certificate in Green and Sustainable Finance (2025) - Chartered Banker Institute
Timeline
Relationship Manager
Bank Muamalat Malaysia Bhd
01.2026 - Current
Trade Sales Manager
Bank Muamalat Malaysia Bhd
04.2021 - 12.2025
Relationship Manager
Standard Chartered Bank Bhd
04.2018 - 03.2021
Business Development Manager
Citibank Bhd
08.2017 - 04.2018
Portfolio Manager (Commercial Banking)
CIMB Bank Bhd
01.2016 - 07.2017
Business Development Manager
RHB Islamic Bank Bhd
06.2013 - 12.2015
Master of Business Administration - undefined
MARA Technology of University (UiTM)
Bachelor Degree of Administrative Science - undefined
MARA Technology of University (UiTM)
Diploma in Public Administration - undefined
MARA Technology of University (UiTM)
Master of General Management -
HFT Stuttgart