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Job Purpose

To lead and oversee the end-to-end Hire Purchase business of the Bank, driving sustainable growth in sales, profitability, and asset quality while ensuring operational excellence, strong dealer relationships, and full compliance with regulatory and internal governance standards. The role is accountable for nationwide performance of HP Centres and overall business strategy execution.

Key Accountabilities

1. Business Strategy & Financial Performance

• Own the overall Hire Purchase (HP) business portfolio, including revenue growth, profitability, and asset quality performance

• Develop and execute strategic plans to expand market share and strengthen the Bank’s position in Hire Purchase

• Drive sales growth, disbursement volume, and cross-selling of ancillary products

• Monitor and ensure achievement of key performance indicators (KPIs) across all regions

2. Sales & Dealer Management

• Lead nationwide sales strategy and execution across HP Centres

• Establish, manage, and strengthen relationships with key dealers and business partners

• Drive dealer productivity, penetration rates, and portfolio expansion

• Oversee development and execution of sales campaigns, incentives, and performance frameworks

3. Operations & Disbursement Oversight

• Oversee end-to-end processing including credit coordination, documentation, disbursement, and post-sales servicing

• Ensure operational efficiency, turnaround time (TAT), and service quality across all centres

• Implement process improvements and digital initiatives to enhance productivity and customer experience

4. Governance, Risk & Compliance

• Ensure adherence to all regulatory requirements, internal policies, and governance frameworks

• Oversee portfolio risk management, including asset quality, delinquency trends, and recovery strategies

• Work closely with Credit, Risk, and Compliance teams to maintain strong control environment

• Ensure alignment of policies, procedures, and business practices with regulatory expectations

5. Nationwide Auto Finance Centre Management

• Oversee performance, operations, and governance of all HP Centres nationwide

• Ensure consistent execution of business strategies, policies, and service standards across locations

• Evaluate expansion opportunities and optimize network footprint (e.g., new centres or upgrades)

• Ensure adequate manpower planning and resource allocation to support business growth

6. Stakeholder & Cross-Functional Collaboration

• Collaborate with key stakeholders across Credit, Risk, Operations, Finance, and other business units to drive business outcomes

• Act as the key liaison for Auto Finance at senior management level

• Provide regular updates, insights, and recommendations to senior leadership

7. People Leadership & Talent Development

• Lead, coach, and develop the Auto Finance team across regions

• Build a strong leadership pipeline and succession for critical roles

• Drive performance culture aligned with business targets and customer focus

• Strengthen leadership capability and engagement across the division

Job Requirements

• Bachelor’s Degree in Business, Finance, Economics or related discipline

• Minimum 12–15 years of experience in banking / Auto Finance / Hire Purchase, with significant leadership exposure

• Strong track record in sales management, dealer network management, and portfolio growth

• In-depth knowledge of Hire Purchase business, regulatory requirements, and credit risk management

• Proven leadership in managing multi-location operations and large teams

• Strong stakeholder management and influencing skills at senior level

• Strategic thinking with execution capability and strong commercial acumen