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Aria Putera

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


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


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


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


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


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).


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.


Pn. Zarina Nor Ismail
Chief Operating


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


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
Group Chief
Human Capital Officer


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.

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Tel: +603 2603 7700