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JOB PURPOSE

To act as the key financial partner to Group Enterprise Banking (GEB), providing insights, analysis, and forward-looking financial planning to drive sustainable business performance. This role focuses on linking financial outcomes to business strategies, ensuring alignment between revenue generation, cost management, and profitability targets.

JOB ACCOUNTABILITIES

• Lead the preparation of annual budgets, forecasts, and business plans for GEB.

• Translate strategic objectives into measurable financial targets, ensuring alignment with Bank-wide performance goals.

• Monitor performance against budget and provide variance analysis with actionable insights.

• Prepare and analyze segment P&L performance for Retail SME, SME / Sales & Distribution, and Commercial Banking.

• Conduct portfolio analysis across lending, deposits, CASA, and fee income to identify trends, risks, and opportunities.

• Track key financial and risk metrics (loan growth, deposit mobilization, CASA ratio, NIM, CIR, RAROC, FTP impacts, cost of funds) against targets.

• Develop and deliver timely management reports to business heads and GEB leadership.

• Support business heads with financial insights and recommendations to optimize P&L performance at both segment and portfolio level.

• Work closely with Relationship Management, Product, and Strategy teams to evaluate business initiatives, campaigns, and pricing strategies.

• Provide financial input on new products, risk-based pricing, and customer-level profitability analysis.

• Evaluate ROI of business programs or products (e.g., CASA push, merchant acquisition, supply chain financing).

• Support the development of frameworks for deposit/loan growth, ESG/green financing, and new revenue streams.

• Provide financial models for partnerships, collaborations, and MoUs (e.g., CGC guarantee programs, supply chain ecosystems).

• Partner with GEB leadership on special projects, including performance reviews, transformation initiatives, and regulatory-driven programs (MFRS9, CCPT, Basel III).

• Strengthen financial discipline across business units through monitoring of costs, FTP allocations, and balance sheet efficiency.

• Undertakes all financials related work as assigned.

JOB REQUIREMENTS

• Degree in Finance, Accounting, Economics, or related field.

• Experience in financial planning & analysis or business finance, preferably in banking.

• Strong financial modeling, budgeting, and forecasting skills.

• Good understanding of banking products and performance metrics (e.g., NIM, CIR, RAROC).

• Proficient in Excel and financial systems; experience with BI tools is an advantage.

• Able to link financial insights to business strategy and performance.

• Strong presentation and stakeholder engagement skills.

• Able to manage multiple priorities and lead financial initiatives.