Suliza Binti Suhud
Executive Portfolio Risk Management
Ampang, Selangor,10
Summary
Dynamic risk management executive with extensive experience at PDB, adept at stakeholder engagement and risk mitigation. Proven track record in enhancing operational efficiency through innovative systems like Credit Pulse Tracker. A collaborative team player, skilled in analyzing complex data to inform strategic decisions and foster a culture of risk awareness across the organization.
Overview
7
7
years of professional experience
Work History
Executive (Portfolio Risk Management)
Risk & Governance, Finance, PDB
03.2025 - Current
- Operational Risk Monitoring : Conducted monitoring and reporting of PDB Operational Risk to PDB management on a monthly basis. This involved analyzing 33 operational risk KRIs, identifying potential risks, and providing critical insights and recommendations to management.
- Risk Mitigation Monitoring : Oversaw the monitoring of mitigations of RADM in the Risk Management System (myRisk). Ensured that all risk mitigations were properly documented, tracked, and assessed for effectiveness. Provided governance of the risk assessment process prior to decision-making, ensuring that all risks were adequately mitigated before any major decisions were made.
- Risk Management System Utilization : Ensured the effective utilization of the Risk Management System (myRisk) within PDB. Facilitated the monitoring of identified risks at both corporate and division levels, ensuring that appropriate mitigations and Key Risk Indicators (KRIs) were in place. Conducted regular reviews of the system to ensure its effectiveness and made recommendations for improvements as needed.
- Risk Overview Scanning : Performed comprehensive risk overview scanning both domestically and globally. Monitored industry trends, market conditions, and geopolitical developments to identify potential threats to the business.
- Risk Oversight : Established and encouraged a risk oversight platform for divisions. This platform provided a centralized view of all risk management matters, facilitated issue resolutions among risk stakeholders, and ensured effective risk management through escalation and other relevant platforms. Monitored the effectiveness of risk management practices and made recommendations for improvements as needed.
Executive (Risk Performance & Capability)
Risk & Governance, Finance, PDB
04.2024 - 02.2025
- Corporate Risk Profile & Appetite : Consolidate and report on the PDB Corporate Risk Profile and Risk Appetite to the PDB Board on a quarterly basis. Provided comprehensive reports that offered a balanced view of the organization's risk exposure to ensure that the Board was well-informed about potential risks and the measures in place to mitigate them.
- Stakeholder Engagement : Engaged continuously with stakeholders, including Risk Foals, KRI owners, and mitigation owners, to ensure effective risk monitoring and management. Facilitated regular meetings and discussions to address risk-related issues, share insights, and align on risk management strategies. Built strong relationships with stakeholders to foster a collaborative approach to risk management.
- Capability Development : Executed and coordinated PDB Risk Management knowledge and capability building initiatives. Organized trainings, sessions, clinics, engagements and workshops to enhance risk management skills and awareness across the organization. This is to encourage and foster a culture of risk management at all levels i.e improvement in Risk Maturity Survey from 2.7 (Base) - 3.2 (Effective)
- Risk Governance and Assurance : Performed Risk Mitigation Effectiveness (RME) assessments on existing, identified, and completed mitigations. This involved evaluating the effectiveness of risk mitigation measures, identifying areas for improvement, and providing assurance that risks were being managed effectively.
- Finance Division Risk Focal : Developed and monitored risks identified within the Finance Division. Conducted risk assessments for strategic and commercial decision papers, providing decision-makers with a balanced view of exposures to safeguard business interests.
Executive (Counterparty Assessment)
Risk & Governance, Finance, PDB
03.2020 - 03.2024
- Credit Assessment : Conducted credit assessments for potential and existing PDB customers. This involved analyzing financial statements, credit reports, and other relevant data to evaluate the creditworthiness of customers. Provided detailed reports and recommendations to support decision-making and risk management. Biggest account assessed was account with credit limit of RM450M.
- Know-Your-Counterparty : Performed assessments on new and existing PDB counterparties with 10 - 15 KYC reviewed daily. This included verifying the identity and background of counterparties, assessing their financial stability, and ensuring compliance with regulatory requirements.
- Continuous Credit Monitoring Enhancement : Established the Credit Pulse Tracker dashboard to forecast upliftment trends. This tool provided real-time insights into credit performance and helped identify potential risks early. Additionally, initiated the CreditPro platform to digitalize the credit application process, enhancing efficiency, accuracy, and transparency in credit management.
- Credit Assurance : Conducted annual credit reassessment exercises to evaluate the relevancy and applicability of the credit granted. This involved comparing the credit granted against actual utilization and exposure, identifying any discrepancies, and making necessary adjustments to ensure alignment with business objectives.
- Study and Analysis : Performed detailed margin analysis for targeted industries. This involved analyzing industry trends, financial performance, and market conditions to identify correlations between exposure and margin. Based on the findings, proposed additional mitigation strategies to management and business units to support business continuity and minimize risks.
Executive (Card Operations)
Retail Business Divisions PDB
11.2017 - 02.2020
- Fleetcard Applications Process : Managed the end-to-end processing of all SmartPay fleetcard applications, from account application to card delivery. This involved verifying application details, coordinating with relevant departments, and ensuring timely delivery of fleetcards to customers.
- Credit Assessment for RM10K Applications : Conducted thorough credit assessments for applications below RM10K. Analyzed financial data, assessed creditworthiness, and provided recommendations to ensure responsible lending practices.
- PETRONAS Management Fleet : Managed the application process for PETRONAS top management fuel entitlement. Ensured accurate and timely processing of applications, maintaining confidentiality and compliance with company policies.
- SmartPay Account Resolution : Addressed account issues and complaints received via business channels or Mesralink. This included resolving issues related to non-payment, PIN problems, and online transaction amounts. Provided prompt and effective solutions to enhance customer satisfaction.
- Management of Corporate Loyalty Programme : Attended to requests from SmartPay customers regarding the Corporate Loyalty Programme (CLP). Facilitated the redemption of points to gift cards, ensuring a seamless and rewarding experience for customers.
Education
Bachelor of Engineering - Petroleum Engineering
Universiti Teknologi PETRONAS
Seri Iskandar, Perak, Malaysia 04.2001 -
Skills
Team Player / Collaborative
Stakeholder Engagement
Adaptable / Resilient
Detail-oriented
Public Speaking
Risk Management
Data Analysis (PowerBI & Excel)
Timeline
Executive (Portfolio Risk Management)
Risk & Governance, Finance, PDB
03.2025 - Current
Executive (Risk Performance & Capability)
Risk & Governance, Finance, PDB
04.2024 - 02.2025
Executive (Counterparty Assessment)
Risk & Governance, Finance, PDB
03.2020 - 03.2024
Executive (Card Operations)
Retail Business Divisions PDB
11.2017 - 02.2020
Bachelor of Engineering - Petroleum Engineering
Universiti Teknologi PETRONAS
04.2001 -
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