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MICRO ICONMikro

Pembuatan - Jualan Tahunan < RM300,000 ATAU Pekerja < 5

Perkhidmatan & Sektor Lain - Jualan Tahunan RM300,000 ATAU Pekerja < 5

SMALL ICONKecil

Pembuatan - Jualan Tahunan RM300,000 < RM15 juta ATAU Pekerja Dari 5 hingga < 75

Perkhidmatan & Sektor Lain - Jualan Tahunan RM300,000 < RM3 juta ATAU Pekerja Dari 5 hingga < 30

MEDIUM ICONSederhana

Pembuatan - Jualan Tahunan RM15 juta ≤ RM50 juta ATAU Pekerja Dari 75 hingga < 200

Perkhidmatan & Sektor Lain - Jualan Tahunan RM3 juta ≤ RM20 juta ATAU Pekerja Dari 30 hingga < 75

 

Aria Putera

Dato' (Dr.) Aria Putera Ismail
Group President / CEO

PROFILE :

Dato' (Dr.) 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

Director Hardee

Datuk Dr. Mohammad Hardee Ibrahim
Group Chief Corporate
Strategy Officer

PROFILE :

Datuk 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.

CFO Samad

En. Samad Majid Zain
Abdul Majid
Group Chief
Financial Officer

PROFILE :

Encik Samad graduated with a Bachelor of Commerce degree from the University of Western Australia. Encik Samad is a Chartered Banker of the Asian Institute of Chartered Bankers (AICB), Chartered Accountant (CA) with the Malaysian Institute of Accountants as well as Certified Practicing Accountant (CPA) of CPA Australia. In 2005, he obtained a MBA specialising in Information Technology Management from a local university. He carries with him a total of 25 years of working experience, of which close to 12 years in a senior management capacity. Encik Samad was also a member of Group Management Committee.

Prior to joining SME Bank, Encik Samad was the Group Chief Operating Officer since December 2019 in one of the largest investment bank groups in Malaysia with businesses in equity & debt advisory, treasury, stockbroking (securities), asset management, trustees and nominee services. His previous work experiences include being the Group Chief Financial Officer for more than 10 years collectively.

 

Hairil dt2

En. Hairil Izwar Abd Rahman
Group Chief Digital
& Technology Transformation

PROFILE :

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 Nurbayu Kasim Chang
Chief Business
Officer

PROFILE :

Nurbayu was appointed as the Chief Business Officer on 1 August 2021. In her new role, she will lead the formulation and execution of business and developmental activities of the Bank.

Nurbayu started her career at SME Bank in 2013 as the Head, Kota Kinabalu Enterprise Centre and later assumed the role as Regional Head, Sabah Region from 2015 until 2017. With her extensive and hands-on experience in the SMEs and Commercial Banking market, she was appointed as Head, Business Banking at SME Bank Head Office and held various other positions in the Bank which include Head, Kuala Lumpur Regional Centre. She then assumed the role of Executive Vice President/Business Head, Enterprise Network and was leading the Bank’s Enterprise Centres nationwide.

Nurbayu carries with her 21 years of experience in the banking industry Prior to joining SME Bank, Nurbayu had worked with CIMB Bank Berhad in various positions and departments.

Nurbayu is a Certified Chartered Accountant (ACCA) and obtained her ACCA from Dublin Business School, Ireland. She is also a Certified Credit Professional (CCP) from Institut Bank-Bank Malaysia (IBBM) and has a Certification in Islamic Development Banking (CIDB) from Islamic Banking & Finance Institute Malaysia (IBFIM).

fikriabdghapar

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

PROFILE :

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.

hasrulhasnan

En. Hasrul Farid Hasnan
Group Chief
Internal Auditor

PROFILE :

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.

“azamahmad”

En. Mohammad Azam Ahmad
Group Chief
Risk Officer

PROFILE :

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.

 

“norsrah”

Pn. Norsrah Mohd Isa
Group Chief
Compliance Officer

PROFILE :

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.

 

Pn. Zarina Nor Ismail
Chief Operating
Officer

PROFILE :

Pn Hajjah Zarina graduated with a Bachelor of Science in Economics and Accounting degree from Bristol University, United Kingdom. She is a Certified Credit Practitioner (IBBM) and has an Associate Qualification in Islamic Finance (AQIF) from IBFIM. Additionally, she has also attended an Executive Program at Judge Business School, Cambridge University in 2019.

She carries with her a total of 28 years of working experience with SME Bank, of which her previous role was as Chief Credit Officer of SME Bank since 2019. She is a true-blue SME Banker and has served the Bank since inception in various departments and positions which include Credit, SME Loans, Credit Operations, Credit Approval and Recovery, and Corporate Communications.

En. Jumadi Kadir
Group Chief Shariah Officer

PROFILE :

Prior to joining SME Bank, He was the Head of Shariah Advisory and Acting Head of Shariah at Hong Leong Islamic Bank(HLISB) where he was exposed with wide range of commercial banking products and instruments. During his time at HLISB, He was instrumental in advising various Sukuk Structures and Structured Products. . He also exposed to advanced capital market analysis and further certified by London Stock Exchange.

Previously, he was also exposed with retail based banking, during his stint at Bank Simpanan Nasional a wholly government owned bank, where he assumed a similar role as the Head, Shariah Division. He was instrumental in developing inaugural Shariah Governance Framework, at Bank Simpanan Nasional. He pursued and completed his Masters equivalent, Chartered Islamic Finance professional (CIFP), at INCEIF and possesses advanced leadership certificate from CASS Business School of London

He currently assume the position of Head, Group Shariah Division, SME Bank, spearheading the governance and operational of Shariah function, particularly on establishing and streamlining the Shariah Governance and refining the existing product structures and operations of Islamic Bank. He continues to inspire and sharing his passion towards the beauty of Islamic Banking at both local and international conference.

Pn. Shuhaibahtulaslamiah
Hurmuzan
Group Chief
Human Capital Officer

PROFILE :

Puan Shu is an MBA graduate from Royal Melbourne Institute of Technology, Australia in 2009. She has also previously completed her bachelor’s degree and diploma educations at a local university. She carries with her a total of 29 years of working experience, of which over 22 years was in a senior management capacity including at regional level.

Prior to joining SME Bank, Puan Shu was a General Manager of Human Resource & Corporate Services in one of the leading financial institutions in Malaysia that specialises in Insurance. She was accountable for the areas of human resources, property, procurement and logistics. Her previous work experiences cover the full spectrum of human capital development and management in various multinational companies and industries such as electronic, manufacturing, research & development, as well as retail.

 
 

nazir

Dato’ Seri Nazir Ariff
Chairman

Dato' Seri Nazir Ariff joined the Board of Directors of SME Bank and appointed as the Chairman of the Board on 18 October 2019.

He is a successful corporate figure with vast experience in various industries which among others include, banking, property, mining and commodity. Majoring in accountancy from the United Kingdom, he is also a Fellow of the British Institute of Management.

As an entrepreneur, he is the co-founder of the Aspen (Group) Holdings Limited and is currently the Executive Deputy Chairman. Prior to this, he was the Deputy Chairman / Executive Director at the Ivory Properties Group Berhad from 2006 until 2013. Dato’ Seri Nazir Ariff started his working career holding various key positions at Escoy Holdings Berhad (formerly known as Datuk Keramat Holdings Berhad) until the end of his tenure as the Managing Director in 2006. He was also the Chairman of the Malaysian International Chamber of Commerce and Industry (Northern Branch) from 1995 to 2018.

Currently, Dato' Seri Nazir Ariff is an Independent Director at Texchem Resources Berhad and PBA Holdings Berhad and is a Director at Thailand Smelting & Refining Co. Limited and Escoy Holding Berhad.

Dato' Seri Nazir Ariff is also active in sports and had served as President of the Football Association of Penang from 2013 to 2017. He is also active in charity work in Penang and holds important positions in several non-government organizations such as the Children Protection Society and Penang Future Foundation.

Prof. Dr. Abdul Basir Mohamad
Independent Non-Executive Director

Prof. Dr. Abdul Basir Mohamad was appointed as an Independent Non-Executive Director of SME Bank on 3 June 2015. He holds a PhD from the University of Edinburgh, Scotland in 1997 specializing in the Law of Torts and Criminal Islamic Laws and has written many books and journals on the subjects. Besides serving in various capacities at the National University of Malaysia, he is also the panel of advisors for various institutions.

Prof. Dr. Abdul Basir is currently the Chairman of Shariah Committee of SME Bank, Chairman of Key Result Areas, Wealth Creation Strategies and Intensive, Faculty of Islamic Studies, National University of Malaysia besides being a member of other committees.

Dato' Muslim bin Hussain
Independent Non-Executive Director

Dato’ Muslim Hussain was appointed as an Independent Director of SME Bank on 1 September 2018.

Dato’ Muslim possessed a Bachelor in Business Administration from the University of Malaya in 1982, Certificate in Police High Law from Royal Malaysian Police College in 1983 and Diploma in Teaching English as Second Language (TESL) in 1977.

Dato’ Muslim has vast experience in Risk Management and Credit Policy & Portfolio Management. Dato’ Muslim has held several senior positions in Banking Sector namely Agrobank and Malayan Banking Berhad.   Dato’ Muslim has over 26 years of banking experience. Dato’ Muslim was previously the Chief Risk Officer of Agrobank from April 2011 to March 2017.

He has spent over 20 years in Malayan Banking Berhad holding various positions namely Executive Vice President / Head of Operational Risk Management from 2008 to March 2011, Vice President / Head of Department, Credit Policy and Portfolio Management Department, Credit Risk Management from 2005 to 2008, Assistant Vice President, Credit Policy, Credit Risk Management from 2003 to 2005, Assistant Vice President / Head of Portfolio Management from 2000 to 2003, Senior Executive, Credit Policy for 5 years, Senior Executive, Regional Credit Evaluation from 1992 to 1994 and Executive/ Senior Executive, Branch Credit Officer for 6 years.

Datuk Ahmad Hizzad bin Baharuddin
Independent Non-Executive Director

Datuk Ahmad Hizzad Baharuddin was appointed as an Independent Director of SME Bank on 6 March 2019. He holds a Master of Business Administration from St. Louis University, Missouri and Bachelor in Business Studies from Eastern Illinois University, Illinois, both in the United States of America (USA).

Before his retirement, he was the Assistant Governor, Islamic Banking & Takaful Department, Central Bank of Malaysia (BNM) and has also served as Director in various departments at BNM including the Payment Systems Department and Financial Sector Development Department. He was also the Director General of Labuan Financial Services Authority.

Datuk Ahmad Hizzad is currently the Chairman of Payment Network Malaysia (PayNet) and a member of the Chartered Banker of Malaysia and awarded with fellow Chartered Banker, Asian Institute of Chartered Banker.

En. Zulkiflee Hashim
Independent Director

Zulkiflee Hashim was appointed as an Independent Non-Executive Director of SME Bank on 6 March 2019.

Zulkiflee has over 35 years’ experience in the banking industry. He started his career with Citibank Malaysia in 1979 and left his position as Vice President in November 1991. From December 1991 to November 1997, Zulkiflee was with Deutsche Bank Malaysia. He was the Deputy Managing Director responsible for Corporate Banking, International Trade Finance, Operations and Transaction Banking Services. From July 1998 to October 2011,Zulkiflee was the Executive Director of Hong Leong Bank Berhad (‘HLB”). Prior to his retirement in 2015, he was HLB’s Chief Operating Officer, Group Strategic Support from November 2011 to January 2015. During the tenure with HLB, he was given the responsibility to oversee various areas such as Branch and Banking Operations, Integrated Risk Management, Credit Management, Information Technology, Islamic Banking, Wholesale Operations, Retail Operations, Legal and Corporate Communications & Public Relations.

Zulkiflee graduated with a Diploma in Credit Management from Institut Teknologi MARA (now known as Universiti Teknologi MARA)

Zulkiflee is presently an Independent Non-Executive Director of GuocoLand (Malaysia) Berhad and Hong Leong MSIG Takaful Berhad. He was previously a member of Hong Leong Bank Berhad Board of Directors.

En. Mohd Sakeri Abdul Kadir
Non-Independent Non-Executive Director"

Mohd Sakeri Abdul Kadir was appointed as a Non-Independent Non-Executive Director on 28 February 2019. He holds a Masterin Economics from Universiti Putra Malaysia, Bachelor of Arts in Mathematical Economics from Temple University, Philadelphia, United States of America (USA) and Post Graduate Diploma in Public Administration from National Institute of Public Administration (INTAN)

He has more than 25 years of experiences especially in public service sectors in Ministry of Finance (MOF). He is currently the Undersecretary, Statutory Body Strategic Management Division, MOF. Prior to this, he was the Deputy Director of the National Budget Office, MOF.

Dato’ Mohd Sukarno Tun Sardon
Independent Director

Dato’ Mohd Sukarno Tun Sardon was appointed as an Independent Director on 8 April 2019. He holds a Bachelor of Science (Hons.) in Economics and Accounting from the University of Bristol, England and is a Fellow of the Institute Chartered Accountants in England and Wales.

He began his career at Ernst & Young, Norwich, England before moving on to Ernst & Young, Kuala Lumpur, Malaysia. Throughout his entire career, he has served in various capacities including Group Chief Internal Auditor and later, Financial Controller at KUB Berhad Group; Deputy Head of Internal Audit, Maybank Group; and Chief Financial Officer, Petronas Dagangan Berhad. The last position he held until his retirement was as Audit Partner at Ernst & Young Kuala Lumpur.

Dato’ Mohd Sukarno is a member of Tun Sardon Foundation Board of Governors, MBI Selangor Investment Committee and La Salle Brickfields School Board of Governors.

En. Muhammad Razman Abu Samah
Non Independent Non-Executive Director

Muhammad Razman Abu Samah was appointed as Non-Independent Non-Executive Director of SME Bank on 1 September 2019. He graduated with a Bachelor of Science in Chemistry from the University of Malaya in 1993 and a Diploma in Public Management Program from National Institute of Public Administration (INTAN) in 1996.

He is currently the Deputy Secretary General, Development and Entrepreneur Observation at the Ministry of Entrepreneur Development (MED). He has more than 20 years of experience in various divisions in the Ministry of International Trade and Industry prior to him joining MED.

He is also a Board Member of Malaysia Co-operative Societies Commission and Co-operative Institute of Malaysia (CIM).

 

Aria Putera

Dr. Aria Putera Ismail
Group President / CEO

PROFILE :

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
Officer

PROFILE :

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
Group Chief Operating Officer

PROFILE :

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

PROFILE :

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

PROFILE :

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
Transformation

PROFILE :

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.

sainursalwa

Cik Pn. Sainursalwa Sani
Group Chief
Human Capital Officer

PROFILE :

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.

fikriabdghapar

En. Mohd Fikri Abdul Ghapar
Group Legal Counsel

PROFILE :

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.

 

hasrulhasnan

En. Hasrul Farid Hasnan
Group Chief Internal Auditor

PROFILE :

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.

“azamahmad”

En. Mohammad Azam Ahmad
Group Chief Risk Officer

PROFILE :

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.

 

“norsrah”

Pn. Norsrah Mohd Isa
Group Chief Compliance Officer

PROFILE :

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.

 

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HUBUNGI KAMI
Hubungi Kami:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700