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Aria Putera

En. Aria Putera Ismail
Group President / CEO


Aria Putera Ismail, has over 18 years of experience within the banking and investment industry. His specific expertises are; achieving financial goals and providing Shariah compliant solutions, deals originations/negotiations and product innovations across jurisdictions to improve profitability and transactional efficiency.

He was the President Director/CEO of Pt Maybank Syariah Indonesia, a wholly owned subsidiary of Maybank Berhad which focusing on small, medium and large corporate segments in Indonesia. He is also responsible in the transformation and restrategising Syariah banking plan for the Group in Indonesia, including talent development, product innovation and new markets.

Prior to that, he was the Executive Vice President/Director, Global Markets Islamic of Maybank Islamic Berhad (MIB), the largest Islamic Bank in the Asia Pacific region. In his capacity as the Director of Global Markets Islamic, he is responsible for managing and overseeing the global Islamic treasury of the banking group and developing strategies to enhance Islamic treasury capabilities and product offerings. While at MIB, he has engaged with regulators from different countries and collaborated with many banking and financial institutions in ASEAN to develop cross-border initiatives and increase Islamic financial transactions between the countries.

Prior to Maybank Islamic, Aria was the General Manager of Global Markets Islamic at Hong Leong Islamic Bank where he assisted the group to successfully launch Hong Kong’s first Islamic Banking Window in 2008. He was able to repeat this success for Maybank Islamic in 2012 by establishing an Islamic window for Maybank Berhad’s Hong Kong branch.

Aria started his career with Maybank Finance Berhad as an officer before joining Central Bank of Malaysia (BNM) in year 2001. Besides treasury/monetary policy operations, he was also actively involved in several major new Islamic product developments for BNM such as Wadiah and Mudharabah for monetary policy operations, Bank Negara Sukuk al Ijarah and Bank Negara Islamic Monetary Notes.

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

En. Haizad Rizal Aziz
Group Chief Financial


Haizad Rizal has 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
Group Chief Operating Officer


Khairil 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 landed a role 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 the 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.

Director Hardee

En. Mohammad
Hardee Ibrahim
Chief Banking Officer


Mohammad Hardee has more than 15 years experience in the financial services industry specialised in regional capital market and investment management.

He was Chief Executive Officer of Dagong Malaysia Rating Services and prior to that he was 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 registered Chartered Accountant with the Malaysian Institute of Accountants. He is also certified Licensed Dealer under 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 of 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 Bachelor of Science in Economics & Accounting.


Hairil dt2

En. Hairil Izwar
Abd Rahman
Group Chief
Digital & Technology


Hairil Izwar began his career with Maybank Finance for two years before joining Telekom Malaysia (TM), for more than 15 years in various divisions and subsidiary companies of 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 organization’s 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 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


Sainursalwa Sani was the Head of Strategic Human Resource Management at Malaysia Airlines Berhad (MAS). She was also entrusted to spearhead the development and implementation of Malaysia Aviation Group’s Human Capital Digital Transformation and developed the overall framework on digitalization of human capital.

In year 2012 prior to join MAS, Salwa was invited to assist in the drafting of the Government Transformation Programme and was involved as a lab member leading the education transformation. She also led various talent outreach initiatives leading to achievement of Malaysia Airlines as 2017 Malaysia’s Graduate Employer of Choice for Hospitality & Tourism Industry.

Salwa has been invited as guest speaker and panellist for conferences; both locally and abroad. She was the architect in designing the first GLC Talent Exchange; which was documented as part of the MBA’s business case by International Institute for Management Development, Switzerland. She was part of the pioneering team on GLC Transformation Programme under Khazanah Nasional. She was regarded as the subject matter expert on Blue Book (leadership development) and Orange Book (performer management) respectively.

Salwa holds Master of Business Admin in Strategic Management from Cardiff Metropolitan University (2014) and a Bachelor Degree (Hons) in Sociology & Anthropology from International Islamic University Malaysia (1999). She completed her Executive Education on Strategic Human Capital at 60th National University of Singapore and INSEAD, Singapore. Sainursalwa joined SME Bank on 11 March 2019 to assume the position of Group Chief Human Capital Officer.


En. Mohd Fikri Abdul Ghapar
Group Legal Counsel


Mohd Fikri 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 becomes an advocate and solicitor focusing on civil litigation especially debt recovery and commercial disputes. He thereafter venture into the corporate scene as an in house 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 UK, UAE, Hong Kong, Philippines, Singapore and Indonesia.

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



En. Hasrul Farid Hasnan
Chief Internal Auditor


Hasrul Farid Hasnan, 45 years old, carries with him more than 21 years’ experience in banking industry including 15 years’ experience in Internal Audit function. He was the Chief Internal Auditor in Agrobank since 2013, where he has successfully strategized, led, organized and controlled the overall 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 the 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 PA, USA. He is an Associate Member of the Institute of Internal Auditors Malaysia (IIAM), Associate Member of Asian Institute of Chartered Bankers (AICB) as well as a Certified Internal Auditor for Financial Institution (CIAFIN), AICB (formerly known as IBBM).


En. Mohammad Azam Ahmad
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 Chief Risk Officer



Pn. Norsrah Mohd Isa
Acting 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. As an established banker, Norsrah held various positions in other reputable organizations such as Bank Muamalat Malaysia Berhad, Alliance Islamic Bank Berhad, Bank Islam Malaysia Berhad and EON Bank Berhad

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 as well as Syarie lawyer in the Federal Territory of Kuala Lumpur, Putrajaya and Labuan.

Norsrah joined SME Bank on 10 June 2019 to assume the position of Head of Compliance. Subsequently, she was promoted as the Acting, Group Chief Compliance Officer on 1 February 2020.





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

Tel: +603 2603 7700