Norlida Mohd Nor
Islamic Finance Consultant And Industry Expert
Kuala Lumpur
Summary
A seasoned Islamic Finance practitioner with an illustrious career spanning over 35 years, offering a wealth of expertise across diverse roles in the banking sector, ranging from Branch Banking to SME, Commercial, and Wholesale Banking. Adept at navigating the intricacies of Islamic Finance, I am now seeking a strategic partnership with an established entity engaged in financial services, training, or people management, with a specific focus on the Islamic finance industry.
Overview
40
40
years of professional experience
Work History
Squad Lead, SME Experience
RHB Bank Berhad
01.2020 - 09.2022
- Tasked to improve SME customers’ experience with RHB Bank from the start of submitting financing applications perspectives until funds credited to customers’ accounts measured by the Turnaround Time (TAT)
- Ensure obstacles identified are escalated and resolved within acceptable turnaround time
- Lead and drive Daily Stand-ups within the Squads to ensure achievement and challenges are immediately recognized and attended
- Ensure Squad members are fully equipped with latest knowledge in terms of available technology that will contribute positively to the Squad’s tasks
- Initiatives involves process change from manual to fully automated function, re-skiling, digitizing of documents as well as process recaliberationfrom the credit decisioning engine until issuance of Offer Letters and documents execution
- Among the major changes introduced were the Bank Statement Analyser via ‘Machine Learning’ tool similar to Artificial Intelligence (AI), auto-issuance of Letters of Offer from from the Credit Scoring System IT mapping :er Also covers both front-end as well as back-end of the Customers Journey
Head, Islamic Business Devt, Priority Sector and Funded Schemes
RHB Islamic Bank Berhad
11.2014 - 12.2019
- Business units within the RHB Islamic Bank were merged under single reporting line to Head of Group Business Banking of RHB Bank based on the Group Transformation initiative of the Banking Group
- Function as point of reference (POR) to Business Centres for matters relating to Islamic finance products, business cases under collbaoration partners namely TERAJU, IRDA, MTDC and SME CORP
- Responsible in providing training and roadshows to Bank Branches and Business Centres nationwide jointly with the Shariah Advisory and Compliance Teams.
Head, Islamic Commercial / SME
RHB Islamic Bank Berhad
06.2012 - 10.2014
- Responsible and report to Head, Group Business Banking
- Spearhead the SME Banking business direction and target setting for the Business Centres nationwide in terms of growing the Islamic business market share
- Managed 2 business Teams including a dedicated Desk for CGC and Funded Scheme for the RHB Islamic entity
- Successfully formalized and executed a collaboration with TERAJU Bumiputra Corporation (fully governed by PMO) in supporting the growth of Bumiputera SMEs in the country; 1st ever of such collaboration by RHB Islamic with a government agency with a vakue of RM1.0billion.
Vice President, Wholesale Banking 1
RHB Islamic Bank Berhad
05.2011 - 05.2012
- Functioned as Section Head and report to Department Head
- Managed a team 4 Relationship Managers.
Assistant Vice President, Wholesale Banking
RHB Islamic Bank Berhad
10.2007 - 04.2011
- Function as Team Leader and reports to Division Head
- Managed a team comprising of 2 Senior Managers, 2 Managers and 4 Executives
- Principal Accountabilities: Market Islamic deposit and financing products to both SMEs and large commercial clients and cross sell the Bank’s other products
- Evaluate and process financing propositions under various sectors ranging from plantation, vessels acquisitions, construction, manufacturing, trading and contract financing
- Support regional offices, branches and marketing centers by providing advisory services in terms of product packaging and facility structuring based on Shariah requirement as well as joint marketing
- Supervise team members in managing both SMEs and large commercial clients under own portfolio which includes account management and monitoring, reviews and compliance
- Responsible to present credit papers for deliberation at the various level of Credit Committees of the bank.
Assistant Vice-President, Business Support
Alliance Bank Malaysia Berhad
03.2007 - 09.2007
- Reported to the Group Head
- Principal Accountabilities: Maintain the “Help Desk” for Group Islamic Banking which provides advisory functions on all Islamic covering both Consumer and Commercial products
- Provide support to the Business Units (BUs) of Alliance Banking Group (ABG) in ensuring continuous growth of assets and liabilities of the Islamic Banking business as per BUs respective business plans in meeting the overall Bank’s budget by conducting regular trainings and briefings
- Function as the Secretariat for the Alliance Islamic Subsidiary (AIS) Project Management Office (PMO)
- The PMO was set-up in March 2007 to initiate, coordinate, administer and ensure the successful set-up of Alliance Islamic Subsidiary which is targeted in January 2008.
Relationship Manager, Islamic Products and BNM/CGC Structured Products
Alliance Bank Malaysia Berhad
01.2006 - 02.2007
- Reported to Team Lead, Business
- Principal Accountabilities: Maintain the “Help Desk” which involves performing advisory functions on all Islamic products as well as BNM/CGC structured products
- Provide support to the Business Units (BUs) of Alliance Banking Group (ABG) in ensuring continuous growth of assets and liabilities of the Islamic Banking business as per BUs respective business plans in meeting the overall Bank’s budget
- Liaison person to HO and BUs on matters related to BNM and CGC structured products
- Administer the BNM and CGC statistics reporting and products which includes guarantee claim issues as well as timely internal and external reporting / approvals.
Manager, Credit & Marketing
Alliance Bank Malaysia Berhad
08.2003 - 12.2005
- Principal Accountabilities: Market Islamic deposit and financing products to both commercial and corporate clients and cross sell the Bank’s other products
- Evaluate and process financing propositions under various sectors ranging from construction, bridging financings, manufacturing and trading
- Supervise and monitor branches performance in promoting Islamic products
- Supervise and provide advisory services to Head Office staff and branches in ensuring that the Islamic facilities extended to customers are Shariah compliance
- Liaise with solicitors and ensuring that legal documentations are completed within the availability period of the facility approved
- Manage and control both commercial and corporate clients under own portfolio.
Deputy Manager, Bumiputra-SME Unit
Alliance Bank Malaysia Berhad
07.2002 - 07.2003
- Principal Accountabilities: Solicited, processed and evaluated new credit propositions with emphasize on the Bumiputra-SME community up to an amount of RM10.0mio
- Experienced in packaging facilities under the various Schemed Funds provided by Bank Negara Malaysia which includes NEF2, FSMI2 and the Bank’s own product SME A-Flex
- Recommended credit proposals under the New Principal Guarantee Scheme (NPGS) and Flexi Guarantee Scheme (FGS) by CGC
- Conducted reviews on accounts under own portfolio and identified whether any restructuring is required in order to maintain a healthy portfolio
- Monitored and follow-up on accounts under own portfolio in ensuring early warning signs are attended to effectively
- Performed administrative duties which include payment of guarantee fees to CGC on monthly basis, acted as an Authorizer to BNM FIRST Online system for the Bank and a source of information to Branches in respect of BNM/CGC funded schemes.
Branch Manager, USJ Branch
Alliance Bank Malaysia Berhad
07.1998 - 06.2002
- Reported to Group Heads of Consumer Banking and Corporate Planning
- Managed a team comprising of 5 officers and 10 clericals / non-clerical
- Principal Accountabilities: Responsible for the overall branch performance in terms of profit and loss as well as compliance to the internal guidelines and BNM rules and regulations.
Assistant Branch Manager, USJ Branch
Sabah Bank Berhad
06.1997 - 07.1998
- Reported to the Branch Manager
- Managed a team of 3 officers and 7 clericals / non-clericals
- Principal Accountabilities: Responsible for the smooth running of the Branch’s operational activities which includes the various units comprises Savings, Current, Fixed Deposits, Safe Deposit Boxes, ATMs and Remittances
- Attended to existing and potential customers queries in respect of our Banking products and services which includes accounts, Unit Trusts, Bancassurance, credit cards and housing loans
- Assisted the Branch Manager in achieving the Branch’s budget in its loans, deposits and profits
- Contributed and participated in credit deliberation leading to the decision of credit proposals within the Branch’s approving authority
- Performed relief duties as Branch Manager and Credit Officer as and when necessary.
Designate Second Officer, USJ Branch
Sabah Bank Berhad
01.1997 - 05.1997
- On-The-Job Training, Pandan Indah Branch
Head, Credit Department
Sabah Bank Berhad
09.1994 - 12.1996
- Reported to Branch Manager
- Managed staff of 12
- Primary Function: Overall in-charged and fully responsible for the professional, efficient and profitable management of Credit Department of the Branch covering Credit Processing, Credit Documentation, Credit Administration, Credit Recovery and Bills/Trade Finance towards achieving the Branch's profit.
Officer-In-Charge, Credit Recovery Unit
Sabah Bank Berhad
09.1991 - 08.1994
- Principal Accountabilities: Monitored the effective of litigation process handle by solicitors
- Analyzed the potential of recovery on classified accounts and initiated discussions with identified defaulters with the view of collection as well as attended syndication meetings on restructuring of corporate accounts
- Formulated repayment structure in rehabilitating and monitoring these defaulters accounts.
Credit Officer, Credit Department
Sabah Bank Berhad
01.1987 - 01.1988
- Principal Accountabilities: Processed, appraised and recommended loan applications from both individuals and corporations including inspection on business premises and properties that are financed and assigned/charged to us
- Reviewed loan accounts periodically and monitored loan account as well as delinquent accounts ranging from 1 to 6 months.
Fixed Deposit Officer, Operations Department
Sabah Bank Berhad
01.1985 - 01.1986
- Principal Accountabilities: Marketed and solicited for new funds from corporate clients
- Organized regular visitation to existing and potential depositors which includes government agencies, statutory bodies and private sectors
- Prepared reports for Branch Manager's review on all marketing activities and achievements with respect to funds placements.
Bills Officer, Bills Department
Sabah Bank Berhad
01.1983 - 01.1985
- Principal Accountabilities: Established as well as negotiated both domestic and international Letter of Credit
- Prepared periodical reports in respect of Bills Department.
Customer Relations Officer
Sabah Bank Berhad
01.1983 - 01.1985
- Principal Accountabilities: Handled the operational aspects of Banking Services including opening of Savings Accounts, Current Accounts and Fixed Deposit Accounts as well as Remittances
- Assisted the Branch Manager in soliciting deposits from government agencies, statutory bodies and private corporation which includes PETRONAS, KWSP, KWAP, PNB, BSN, Keretapi Tanah Melayu (KTM) and RISDA.
Education
Professional Certification - Agile At Scale
Boston Consulting Group
04.2001 -
Professional Certification - RHB Credit Certification Program
OMEGA
04.2001 -
Professional Certification - Certified Credit Professional (CCP-Business)
Institute Bank-Bank Malaysia (IBBM)
04.2001 -
Diploma - Tourism Administration.
MARA University of Technology - UITM
04.2001 -
Malaysian Certificate of Education (MCE) -
Ampang Girls High School
Kuala Lumpur 04.2001 -
Skills
Project Planning
Process Improvement
Communication Skills
Leadership and Management
Banking Expertise
Customer Relationship Management
Training and Development
Adaptability and Problem Solving
Networking and Business Development
Timeline
Squad Lead, SME Experience
RHB Bank Berhad
01.2020 - 09.2022
Head, Islamic Business Devt, Priority Sector and Funded Schemes
RHB Islamic Bank Berhad
11.2014 - 12.2019
Head, Islamic Commercial / SME
RHB Islamic Bank Berhad
06.2012 - 10.2014
Vice President, Wholesale Banking 1
RHB Islamic Bank Berhad
05.2011 - 05.2012
Assistant Vice President, Wholesale Banking
RHB Islamic Bank Berhad
10.2007 - 04.2011
Assistant Vice-President, Business Support
Alliance Bank Malaysia Berhad
03.2007 - 09.2007
Relationship Manager, Islamic Products and BNM/CGC Structured Products
Alliance Bank Malaysia Berhad
01.2006 - 02.2007
Manager, Credit & Marketing
Alliance Bank Malaysia Berhad
08.2003 - 12.2005
Deputy Manager, Bumiputra-SME Unit
Alliance Bank Malaysia Berhad
07.2002 - 07.2003
Professional Certification - Agile At Scale
Boston Consulting Group
04.2001 -
Professional Certification - RHB Credit Certification Program
OMEGA
04.2001 -
Professional Certification - Certified Credit Professional (CCP-Business)
Institute Bank-Bank Malaysia (IBBM)
04.2001 -
Diploma - Tourism Administration.
MARA University of Technology - UITM
04.2001 -
Malaysian Certificate of Education (MCE) -
Ampang Girls High School
04.2001 -
Branch Manager, USJ Branch
Alliance Bank Malaysia Berhad
07.1998 - 06.2002
Assistant Branch Manager, USJ Branch
Sabah Bank Berhad
06.1997 - 07.1998
Designate Second Officer, USJ Branch
Sabah Bank Berhad
01.1997 - 05.1997
Head, Credit Department
Sabah Bank Berhad
09.1994 - 12.1996
Officer-In-Charge, Credit Recovery Unit
Sabah Bank Berhad
09.1991 - 08.1994
Credit Officer, Credit Department
Sabah Bank Berhad
01.1987 - 01.1988
Fixed Deposit Officer, Operations Department
Sabah Bank Berhad
01.1985 - 01.1986
Bills Officer, Bills Department
Sabah Bank Berhad
01.1983 - 01.1985
Customer Relations Officer
Sabah Bank Berhad
01.1983 - 01.1985