MOHD FUAD JAMEL
Head Risk Management
Kuala Lumpur
Summary
Result driven risk professional with over 20 years of experience in the banking industry spanning across Commercial (local & international), Islamic and Development banks such as Hong Leong Bank, Citibank, Al Rajhi Bank, CIMB Group and Bank Simpanan Nasional. Versatile and organized at managing multiple priorities with positive attitude. Always willing to take on added responsibilities to meet organization's overall objectives. Seek suitable full-time position that offers professional challenges in utilizing interpersonal skills, excellent time management and problem solving skills.
Overview
22
22
years of professional experience
Work History
Head Risk Management
Bank Simpanan Nasional
Kuala Lumpur
2020.08 - Current
- Developed strategic plans with senior management team to strengthen risk and compliance culture particularly in overall improvement of ORION reporting and governance requirement, strengthening embedded risk functions in First Line of Defense and reduction in non-compliance incidences.
- Led the risk team of 38 person strong in the monthly preparation of internal reports covering all risk ambits for Board Risk Management Committee (BRMC), Management Risk Committee (MRC), Asset & Liability Committee (ALCO) and as well as periodic reports to BNM covering asset size of RM34bil and deposit size of RM39bil.
- Chaired monthly Risk Working Committee (RWC), IT Risk Working, Committee (ITRWC) and Shariah Risk Working Committee (SCWC) to drive improvements of internal controls and policies in bank.
- Strengthened bank wide Model Governance structures for MFRS9 engine and introduced new Acquisition and Behavioral Scorecards for retail portfolio which have helped to sustain overall NPL rate at 1.01% and ECL of 2.25% to date.
- Introduced independent Post Approval Credit Review scope to enable more refined approach at overall portfolio management.
- Led Risk team in Climate Risk journey via incorporation of relevant requirements in CCPT, TCFD and VBIF into existing guiding documents owned by Risk Management department.
Head Customer Experience
Bank Simpanan Nasional
Kuala Lumpur
2019.03 - 2020.08
- Responsible for overall customer experience culture building and transformation initiatives.
- Led bank’s strategic focus at delivering quality and excellence in all products and services offered while driving differentiations between BSN and others.
- Part of Management team and reports directly to Chief Executive of BSN.
- Established bank’s first Customer Experience Framework and also strengthened Complaint Management Policy together with deployment of first Complaint Management System with project saving of RM200k.
- Established Customer Experience Department from ground up to 4 divisions and 120 staffs in total.
Head Credit Risk
Bank Simpanan Nasional
Kuala Lumpur
2016.07 - 2019.03
- Responsible for management of entire coverage of Credit Risk with more than RM23bil of retail portfolio.
- Acted as Project Manager for model deployment of both Enhanced Application and Behavioral Scorecards which aimed to optimize acquisition quality and assist in rigorous portfolio management strategy.
- Managed overall Credit Risk policies and standards in line with approved Risk Management framework for bank-wide applications including Financing Policy, Financing Guidelines, Write-off Policy, Developer Empanelment Guidelines, Stress Testing Guidelines, among others.
- Established comprehensive and robust Credit Risk Dashboard for in depth portfolio and segmentation monitoring via Qlik Sense platform.
Vice President Retail Risk
CIMB Group
Kuala Lumpur
2014.03 - 2016.07
- Responsible for end to end portfolio management of over RM9bil of unsecured retail portfolio (Credit Card, Cash Plus and Express Cash) both Conventional and Islamic.
- Carried out continuous assessments of overall risk posture, performance and portfolio triggers for onwards update to Management and Group Risk Committee.
- Reviewed and assisted in approval of new updates or variations of existing policies introduced as recommended by business and risk counterparts.
- Improved new acquisition quality as well as increased monthly booking volumes through line assignment optimization and refined application scorecard strategies.
- Implemented robust portfolio management strategy to support quarterly credit line management actions for credit card customers.
- Established and streamlined Group Retail Risk policies across Malaysia, Singapore, Indonesia and Thailand.
Head Retail Credit Risk
Al Rajhi Bank
Kuala Lumpur
2011.08 - 2014.03
- Ensured that credit policies and guidelines on Acquisition, Account Maintenance, Collections and Recoveries are in line with bank’s overall risk appetite.
- Reviewed and analyzed portfolio dashboard to identify trends and drilled down where necessary to ascertain causes of any unusual observations for appropriate remedial actions whenever necessary.
- Ensured effective understanding and right consensual decisions are reached with regards to matters pertaining to retail credit risk policies, governance and framework between all stakeholders, from Product, Sales, Branches, Credit Operations and Collections amongst others, achieved by having frequent interactions and meetings, or through dissemination of detailed credit risk reports.
- Strengthened relationship with Central Bank (BNM) through numerous dialogues and close interactions, which in turn has helped bank to achieve satisfactory reviews and improved ratings over areas of concern especially on risk management functions.
Manager Bankcard Risk
Citibank Berhad
Kuala Lumpur
2005.11 - 2011.07
- Analyzed and reviewed financial and delinquency performance of credit card portfolio and unsecured lending while providing risk insights to business counterparts.
- Prepared and dictated executable credit policy and risk acceptance criteria for all credit cards and unsecured lending while acted as custodian of credit policy manuals.
- Developed and executed acquisition strategies to increase market share and sustainable receivables growth.
- Rolled out key acquisition and portfolio test programs to expand bookings to untapped market which in turn helped to retain Citibank leading market position as bank with most cards in circulation.
- Structured new early warning initiatives to handle high risk accounts and managed them out of portfolio through strategic treatments by applying extensive usage of credit bureau information and internal credit behavior scorecards which helped maintain delinquency performance well within benchmark set.
Assistant Manager Cards Risk & Compliance
Hong Leong Bank
Kuala Lumpur
2000.01 - 2005.10
- Responsible in maintaining Standard Operation Manuals for Credit Card Centre, Operational Risk Management Manual and also Branch Operations Manual on Credit Card Handlings.
- Developed and maintained KPIs (Key Performance Indicators) for all sections of Credit Card Center, by ensuring conformity, submission of monthly updates and on-going fine tuning of KPIs with respective Managers in-charge.
- Led multiple operational risk initiatives for departmental and bank-wide implementation which had led to overall increased in customer satisfaction.
- Participated in development and launched of Hong Leong MTV Credit Card and Hong Leong Cashback Credit Card.
Education
Bachelor of Arts - International Affairs
Helen Way Klingler College of Arts And Science, Marquette University
Milwaukee, Wisconsin, USA 1998.08 - 1998.08
Skills
Financial Risk Management
Timeline
Head Risk Management
Bank Simpanan Nasional
2020.08 - Current
Head Customer Experience
Bank Simpanan Nasional
2019.03 - 2020.08
Head Credit Risk
Bank Simpanan Nasional
2016.07 - 2019.03
Vice President Retail Risk
CIMB Group
2014.03 - 2016.07
Head Retail Credit Risk
Al Rajhi Bank
2011.08 - 2014.03
Manager Bankcard Risk
Citibank Berhad
2005.11 - 2011.07
Assistant Manager Cards Risk & Compliance
Hong Leong Bank
2000.01 - 2005.10
Bachelor of Arts - International Affairs
Helen Way Klingler College of Arts And Science, Marquette University
1998.08 - 1998.08
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