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Aria Putera

En. Aria Putera Ismail
Group President / CEO


Aria Putera Ismail has over 20 years of experiences in the banking and investment industry. His specific expertise include achieving financial goals and providing Shariah compliant solutions, deals originations/negotiations and product innovations across jurisdictions to improve profitability and transactional efficiency.

He is currently spearheading the transformation of culture, business and digital programs which will unleash the true potential of the Bank to be the leading Development Financial Institution (DFI) in Malaysia. Few strategic measures and plans were introduced to address issues pertaining to SMEs especially on accessibility to funding and improving wellbeing of micro, small and medium enterprises. He is also leading the utilization of advanced technology and artificial intelligence in the Bank’s operations to benefit the entire SMEs life cycle.

Aria is the Chairman of Association of Development Financial Institution of Malaysia (ADFIM) which connects the members from both local DFIs and Government entrepreneur development organizations (EDOs) to support the Malaysian Government’s economic and development initiatives such as National Entrepreneurship Policy 2030 and Shared Prosperity Vision 2030. In addition, he is also an active Board Member of Association of Development Financing Institutions in Asia and the Pacific (ADFIAP) and Financial Industry Collective Outreach (FINCO).

Prior to SME Bank, he was the President Director / Chief Executive Officer of Maybank Syariah Indonesia (MSI). He was responsible for Shariah compliant Treasury Solutions, Deals Originations/Negotiations and Product Innovations across jurisdictions to improve profitability and transactional efficiency. Previously, he was the Director/Executive Vice President, Global Markets Islamic of Maybank Islamic Berhad (MIB), the largest Islamic Bank in the Asia Pacific region.

Aria was also the General Manager of Global Markets Islamic at Hong Leong Islamic Bank and successfully established the first Islamic window in Hong Kong. In year 2000, Aria started his career with Maybank Finance Berhad as an officer prior joining Central Bank of Malaysia (BNM) in year 2001.

Aria holds a Master of Business Administration (MBA), majoring in Islamic Banking and Finance from the International Islamic University Malaysia (IIUM), Bachelor of Business Administration (Hons) in Finance and Diploma in Investment Analysis from the Universiti Teknologi MARA. He is an active member of the Capital Markets and Treasury Committee (CMTC) of the Association of Islamic Banking Institutions Malaysia (AIBIM) since 2008, where he was responsible in promoting cross border treasury businesses in the region and creating new treasury products

En. Haizad Rizal Aziz
Group Chief Financial


Haizad Rizal Aziz worked in Ireland for 10 years with BDO Simpson Xavier, Daiwa Europe Fund Managers and KPMG before returning to Malaysia in 2009 where he joined RHB Bank Berhad as Head of Group Statutory and Management Reporting. He then became the Head of Finance, RHB Islamic Bank followed by Vice President, RHB Investment Bank Berhad before taking up the post of Group Chief Financial Officer with Johawaki Group of Companies in 2013.

He is a fellow member (FCA) of the prestigious Institute of Chartered Accountants in Ireland (ICAI) and holds a Bachelor of Arts (Hons.) in Accounting and Finance from Liverpool John Moores University. He also attended the Advanced Management and Leadership Programme at Said Business School, University of Oxford

Haizad Rizal joined SME Bank in March 2016 and currently holds the position of Group Chief Financial Officer.


En Khairil

En. Khairil Anuar
Mohammad Anuar, CB
Chief Operating Officer


Khairil Anuar Mohammad Anuar started his career as a Senior Executive in the Insurance Supervision Department of the Central Bank of Malaysia (BNM). He then moved to Strategic Management Department before assuming the position as a Manager in the Governor’s Office. After 13 years with BNM, he decided to take up the position as Head of Corporate Strategy of Al Rajhi Bank Malaysia where he was responsible for all aspects of strategic management.

He later joined Hong Leong MSIG Takaful in 2014 as Head of Risk Management & Compliance and was responsible for the development of the company’s capital management plan, governance and risk management framework.

He holds a Bachelor of Arts (Hons) in Accounting & Finance from De Montfort University, Leicester and MSc (with Distinction) in Risk Management from Glasgow Caledonian University. He also completed the Oxford Advanced Management & Leadership Programme from University of Oxford and a member of the Institute of Risk Management (IRM) UK.

Khairil Anuar is a Chartered Banker, Asian Institute of Chartered Bankers and Chartered Bankers Institute.

Director Hardee

En. Mohammad
Hardee Ibrahim
Group Chief Corporate Strategy Officer


Mohammad Hardee Ibrahim has more than 18 years experience in the financial services industry specialising in regional capital markets and investment management.

He was formerly the Chief Executive Officer of Dagong Malaysia Rating Services and prior to that he was the Executive Director of Goldman Sachs and Portfolio Manager of Investment Operations & Financial Market at Bank Negara Malaysia.

He holds a Master in Business Administration (Finance) from University of Essex, UK and is a registered Chartered Accountant with the Malaysian Institute of Accountants. He is also a certified Licensed Dealer under the Malaysia Financial Market Association and Capital Market and Financial Services of The Institute of Banking and Finance (Singapore).

He joined SME Bank in October 2018 to assume the position as the Chief Banking Officer.

Pn. Zarina Nor Ismail
Chief Credit Officer


Zarina Nor Ismail has held various positions in the banking sector since 1993 and as one of the longest serving staff of SME Bank, Zarina Nor has extensive experience in marketing, credit, branch operations, credit management & recovery. Zarina Nor was promoted as the Director of Channel Management in 2015 and currently holds the position of Chief Credit Officer.

Zarina Nor is a graduate from the Bristol University, United Kingdom with a Bachelor of Science in Economics & Accounting.


Hairil dt2

En. Hairil Izwar
Abd Rahman
Group Chief
Digital & Technology


Hairil Izwar Abd Rahman began his career with Mayban Finance for two years before joining Telekom Malaysia (TM) for more than 15 years in various divisions and subsidiary companies of the TM Group. During his tenure with TM, he gained extensive exposures in Business Development and Big Data Analytics.

Hairil Izwar had successfully introduced and implemented multiple impactful projects including a few major Government’s Big Data Analytics projects, smart partnership, digital lifestyle, sales coverage, e-form and biometric projects that improved the organizations’ performance while holding the position as Head, SME Business Development at TM SME.

Hairil Izwar holds a Bachelor in Business Finance (Hons) from Universiti Utara Malaysia and accomplished the Digital Transformation Journey Program from IMD Business School, Lausanne, Switzerland. He joined SME Bank on 12 November 2018 to assume the position as the Group Chief Digital & Technology Transformation Officer.


Cik Pn. Sainursalwa Sani
Group Chief
Human Capital Officer


Salwa had working experience with Government Linked Companies (GLC) and multinational corporations in Malaysia. Whilst working with Khazanah Nasional (an investment arm of Government of Malaysia), she was one of the team members in ensuring successful implementation of GLC Transformation Programme. She also had a stint working closely with the Ministry of Education, Malaysia in the development and implementation of Malaysia National Education Blueprint. In 2015, Salwa was approached by Malaysia Aviation Group to be part of the team at the initial stage in the execution of the Malaysia Airlines Restructuring and Turnaround Plan.

Amongst her achievements include as the core team member in designing the 1st GLC Talent Exchange; which was documented as part of the MBA’s business case by IMD, Switzerland. Leading various talent outreach initiatives which enabled Malaysia Airlines to be awarded 2017 Malaysia’s Graduate Employer of Choice for Hospitality & Tourism Industry; with activities involved outreach programmes at pilots training schools, career fairs and engagement sessions with universities (local and abroad). Salwa is an award recipient of 501 Fabulous Global HR Leaders from World HRD Congress for 2020.

She is known as a subject matter expert in driving high performing organization, strategic workforce planning, total rewards strategy, talent and leadership development and employer branding. Frequent guest speaker and panellist for conferences; both locally and abroad.

She holds an MBA in Strategic Management; with a Bachelor Degree (Hons) in Sociology & Anthropology from IIUM. She completed her Executive Education on Strategic Human Capital at National University of Singapore (NUS) and INSEAD.


En. Mohd Fikri Abdul Ghapar
Group Chief Legal,
Secretarial & RAM Officer


Mohd Fikri Abdul Ghapar had previously served as the Head of Legal at Maybank Islamic Berhad before joining SME Bank in May 2019. Early in his career, Fikri was called to the Malaysian Bar in 1997 and became an advocate and solicitor focusing on civil litigation especially debt recovery and commercial disputes.

He thereafter venture into the corporate scene as an inhouse legal counsel with various financial institutions in both conventional and Islamic banking amassing comprehensive experience in financial as well as numerous corporate exercises. His specialisation in Islamic finance and services exposed him to various foreign jurisdictions mainly United Kingdom, United Arab Emirates, Hong Kong, Philippines, Singapore and Indonesia

Mohd Fikri is a graduate in Bachelor of Laws from the International Islamic University Malaysia and an active member of the Association of Islamic Banking Institution Malaysia.



En. Hasrul Farid Hasnan
Group Chief Internal Auditor


Hasrul Farid carries with him more than 21 years’ experience in banking industry which includes 15 years’ experience in Internal Audit function. He was the Chief Internal Auditor in Agrobank since 2013, where he has successfully formulated, strategized, led, organized and controlled the overall effective Internal Audit functions, and realigned audit strategies in accordance to the Bank’s Strategic Business Plan. He has also previously served several Financial Institutions such as UOB Bank, Asian Finance Bank, Bank Rakyat, Southern Bank, RHB Bank and Bank of Nova Scotia in various capacities.

He holds a Master of Business Administration, majoring in Applied Finance and Investment from Universiti Kebangsaan Malaysia (UKM) and Bachelor of Science in Business Administration, majoring in Finance from Drexel University, Philadelphia, United States of America.

Hasrul is an Associate Member of the Institute of Internal Auditors Malaysia (IIAM), Associate Member of Asian Institute of Chartered Bankers (AICB, formerly known as IBBM), a Certified Internal Auditor for Financial Institution (CIAFIN), AICB as well as a Certified Prior Experience Conversion Programme (PEC) - certification for Bank Auditors, AICB. Hasrul joined SME Bank on 10 June 2019 to assume the position of Group Chief Internal Auditor.


En. Mohammad Azam Ahmad
Group Chief Risk Officer


Mohammad Azam Ahmad carries with him more than 25 years of experience in the Banking industry including 15 years of experience in risk management spanning from credit, market, liquidity and operational risk management.

Prior to joining SME Bank, Azam was the Head of Risk Management, Group Global Banking in Maybank since 2012 and previously served reputable organizations such as Standard Chartered and Central Bank of Malaysia.

He holds a Master of Economics and International Finance from University of Queensland and Bachelor of Science in Accounting and Finance from London School of Economics, United Kingdom.

Azam joined SME Bank on 1 August 2019 to assume the position of Group Chief Risk Officer.



Pn. Norsrah Mohd Isa
Group Chief Compliance Officer


Norsrah Mohd Isa carries with her more than 17 years of experience in the banking industry in various departments spanning from legal, Shariah and compliance. Her past experience working with several legal firms prior to the banking industry has opened the opportunity for her to grow her career as a subject matter expert in legal and compliance matters. Prior to joining SME Bank, Norsrah was the Deputy Chief Compliance Officer at Agrobank.

She holds a LLB (Hons) from the International Islamic University Malaysia and several professional certifications in the areas of AML / CFT and Compliance. Her other notable achievements include obtaining the Certified System Investigator award by CSI world Headquarters and served as an advocate and solicitors.

Norsrah joined SME Bank on 10 June 2019 to assume the position of Head of Compliance. Subsequently, she was promoted as the Group Chief Compliance Officer.


Cik Nurbayu Kasim
Acting Chief Business Officer

En. Jumadi Kadir
Head, Group Shariah Division

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Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700