Yuslina Mohd Yunus

Company Overview: Affin Bank Berhad (AFFINBANK) serves business banking. Business Banking offers corporations, institutional clients, and SMEs services in corporate banking, contract financing, and trade finance. Business Banking serves as an important feeder to the other business units, by way of contacts and opportunities.

Achievements / Tasks:

• Appointed as a Team Leader to lead the Group Transformation Office (GTO) to develop and execute transformation strategies aligned with the Bank’s goals.
• Manages the Transformation Office team, drives execution, and ensures cultural adoption of transformation practices.
• Maintain a transformation roadmap with clear timelines and deliverables.
• Ensuring all initiatives support the organization’s long-term vision and strategic priorities.
• Oversee cross-functional transformation projects and programs within the Bank.
• Track progress, manage risks, and ensure timely delivery within budget.
• Define and measure business value and expected benefits consistently across initiatives.
• Keep score, and hold initiative owners accountable for results.
• Change management and culture building – reinforce transformation culture through communication, encourage synergy, accountability, and continuous improvement. Coach initiative owners, and remove roadblocks to execution.
• Consistent progress updates of the transformation program, with dashboards, reports, and presentations to the PGCEO through the Group Management Committee – Transformation.
• Identify opportunities for process, system, and technology improvements, and promote agile ways of working.
• Determine the respective initiatives’ ROI, and enforce the initiative’s project managers to meet the set ROI within the planned timeline.
• Currently leading the Group Transformation Office to drive the execution of the AX28 program, a three-year program from 2025 to 2028.

Achievements / Tasks

• Seconded as a Team Leader to be the Change Agent of the Bank’s transformation program called ‘AFFINITY’ in October 2016 under the Credit Management Project model to conduct review and remodeling of Credit Management for robust business credit.
• The project team is responsible to design a blueprint for how the Bank will conduct its credit business in a robust and scalable manner.
• Responsible to make sure the project is running to meet its objectives within the stipulated project timeline.
• Provide effective coordination, communication and facilitation to achieve maximally effective engagement with stakeholders.
• Under the implementation stage of this project, I am responsible to develop the Credit Origination System based on the blueprint developed and implement appropriate infrastructure to support the model.
• The implementation scope includes the vendor selection, design, test and implement the Credit Origination System.
• Engaged with the vendor from RFI, RFP, POC until the SOW stage.
• Lead and coordinate requirement and solution/workaround sessions with vendors.
• Review FSDs, ensure all solution meeting requirements and minimizing SR raised and sign off the FSDs.
• Chasing multiple vendors (system, testing, Bank’s host etc.) to close tickets in timely manner, meeting the given timeline of development and chasing for deployment of fixes.
• Raised Service Request, review SOW and quotation and ensure completeness of UAT and sign off.
• Resolved issues identified during UAT by engaging vendors, testers, project team and escalate to higher level or Project Steering Committee (GCCO, COO, Business Directors) whenever required.

The project commenced on October 2016 and all deliverables have been completed as scheduled. Leading the project throughout since the project kick-off until current phase.

Company Overview: Affin Bank Berhad (AFFINBANK) - Serves Business Banking. Business Banking offers corporations, institutional clients and SMEs services in corporate banking, contract financing and trade finance. Business Banking serves as an important feeder to the other business units by way of contacts and opportunities.

Achievements / Tasks

• Based in Business Centre, Bangsar under Business Banking Department. Support, identify, solicit and establish new and high value client base.
• Review and monitor performance of accounts. Overdue accounts are highly monitored and prompt measures taken to prevent NPLs.
• Appointed as back-up Operational Risk Coordinator and support Operational Risk Management activities in the Business Unit. Reported operational defects and result of ORM activities to ORMS.

Achievements / Tasks

• Tap on new and potential clients based on existing network built and references from SME to commercial business in varies industry.
• Provide a total solution to client through product cross-selling from enterprise to corporate and part of consumer financing.
• Ensure promptness and quality of credit processing of various type of facility from term loan, overdraft, contract financing and trade financing.
• Ensure improvement of quality client so as to improve quality portfolio.
• Track the existing portfolio of existing clients for additional financial facilities, monitor payment track record of the Bank’s facilities, prepare an annual credit review, reschedule and restructure and conduct a follow up visits.
• Liaise and establish rapport with other financial institutions/MNCs/GLCs in outlining new product or scheme.
• Ensure compliance to standard banking operational and lending guidelines, policies, procedures, are adhered to at all times.

Achievements / Tasks

• After complete one-year training under its parent company, I joined SME Bank (formerly a subsidiary of BPMB) under Commercial Financing Branch, KL Business Centre and Product Development function.
• In Relationship Management Unit of Commercial Financing/KL Business Centre, I analyze and evaluates the potential corporate client’s businesses and projects that deal with millions ringgit worth projects. Working in this department requires me to:
• Establish rapport with potential clients and relevant authorities/bodies.
• Ensure customer satisfaction and loyalty through good and efficient service.
• Interview walk-in customers and conduct site visits on potential projects/customers for verification and clearly understanding of the client’s business.
• Liaise and establish rapport with other financial institutions for purpose of credit enquiries of jointly evaluation of loans through club deals.
• Participate in the various seminars, expos, business clinics and workshops as and when required as part of the activities to promote the banks financial and non-financial products and services.
• Track the existing portfolio of existing clients for additional financial facilities, monitor payment track record of the Bank’s facilities, prepare an annual credit review, reschedule and restructure and conduct a follow up visits.
• Ensure compliance to standard banking operational and lending guidelines, policies, procedures, are adhered to at all times.

Achievements / Tasks

• Working in SME Bank as Product Officer requires me to:
• Conduct market intelligent and research to ensure competitiveness of the Banks’ product.
• Doing market analysis by benchmarking the products through adoption of best practices.
• Tap on Strategic Partners networking and collaboration to form a delivery channel, joint effort, and potential client through referral, sponsorship & event, participation in loan syndication/ club deal basis.
• Conduct product briefing and training to Bank staff in HQ as well as Branches, targeted customer group and other strategic partners for product awareness and refreshment.
• Represent Head (in his absence) and any tasks/activities required so as ensuring smooth running of given operation.
• Ensure adequate promotion for new and existing products and prepare new procedure and recommend process improvement including pilot test.
• Work closely with other Functions namely Islamic Banking, System & Method, Legal, Corporate Communication and etc.

Achievements / Tasks

• I have worked in Bank Pembangunan Malaysia Bhd (BPMB) as Management Trainee in all operation departments that deal directly with loan processing tasks. As the first batch of Management Trainee in BPMB, I have been attached to both BPMB and its subsidiary, SME Bank in operation functions. I have successfully completed all task in each function as follows:
• Attached to 3 operation functions i.e. Business Development & Advisory, Credit Operation, and Supervision specialized in Hi-Technology sector in BPMB.
• Processing of loan application received within the timeframe to be transferred to Credit Operations function for evaluation.
• Recommended rejections or approvals of loans applications.
• Dealing with business from small and medium scale to million projects.
• Completed average of three (3) Credit Proposals and approved within a month together with the Loan Proposal and Letter of Offer.
• Successfully undergone disbursement process.
• Identify and mitigate risk raised by Risk Management function on each project.

Achievements / Tasks

• Specialized in promotion and marketing of Bank’s portfolio.
• Identify potential and eligible clients and close portfolio sales.
• Develop and maintain good client rapport for continuous sales.

GPA: 3.25 (Dean’s list for 2 semesters)