Islamic Finance Resume

Senior Vice President, Islamic Banking Windows, UOB Malaysia 

 
Currently overseeing the Islamic Banking Windows operations for UOB Malaysia. 
 
Runs  a  small  team  of  specialists  supporting  the  overall  UOB  business,  and  oversees  the 
development  of  new  Islamic  Banking  products,  internal  policies  and  procedures,  introduced 
processes  that  complies  with  Shariah  requirements, builds the Shariah Governance Framework, 
supports  business  development  and  provides  overall  guidance  to  the  day  to  day  running  of  an 
Islamic Banking window. 
 
Launched  the  Islamic  Banking  window  on 14 July 2016, offering a total of 29 products for retail, 
SME, Commercial and Corporate customers, as well as Treasury products. 
 
Building Malaysia to be the Group's Centre of Excellence for Islamic Banking. 
 
Currently  pushing  for  performance  numbers for channels, as well as strategising the next phase 
of  product  development  and  variation  to  build  the  UOB  brand  in  the  market,  and  targeting  to 
become a serious player in the Islamic Banking industry offering exciting financial solutions. 
 
Also  actively  involved  in  industrial  training  and  engagement  with  the  Islamic  Banking 
association.  Part  of  the  team  that  supports  BNM  efforts  to  promote  Islamic  Banking  to  the 
mass market. 
 
Trying to continue to write on Islamicbankers.me for new contents, when time permits. 
 
System Familiarisation : AS400 (Silverlake) 

Head, Product Development, Standard Chartered Saadiq 

Runs an exciting team of individuals dedicated to Product Development. 
 
Retail  Banking  -  Responsible  for  Research,  Design,  Development  and  Implementation  of  Retail 
Banking  Products  and  SME  Banking  Products  for  both  Financing  and  Deposit  product  suites. 
Involved  in  all  new  product  launches,  including  system  development,  internal  policies,  legal 
documentation,  Shariah  approvals,  internal  governance,  collections  policies  and  process 
improvement.  Notable New to market products include Diminishing Musharaka Home Financing 
linked  to  deposit  accounts,  2-in-1  Deposits  Account  based  on  Mudarabah,  and  SMS-based 
Commodity Murabaha Financing. Principal Trainer for newly-launched products. 
 
Wholesale  Banking  -  Responsible  for  Research,  Design,  Development  and  Implementation  of 
Wholesale  products,  including  Trade  Financing,  Cash  Management  and  Working  Capital 
Financing.  Involved  in  all  new  product  launches,  including  system  development,  Shariah 
approvals,  internal  governance  and  process  improvement.  Notable  New  to  market  products 
include  Goods  Murabaha,  Short  Term  Capital Financing and Revolving Credit, as well as Foreign 
Currency Wadiah Accounts. 
 
Financial  Markets  &  Treasury  -  Oversee  day-to-day  management  of  existing  products  and 
involved  in  the  Shariah  governance  for  Terms  Sheets  and  Legal  documentation.  Involved  in  all 
variations  submission  of  FM  products,  including  Structured  Investments  and  Derivatives 
products. 
 
Projects  -  Involved  in  all  Saadiq-related  projects  including  IT  projects, processes and bank-wide 
initiatives.  Demise  of  Bai-Inah  Financing  structure  and  launching  of  Commodity 
Murabaha-based Financing structure. 
 
Survived various internal audits and Sharia audits. Media-trained. 
 
Management Committee Member and Member of AIBIM's Standards Committee. 

Head, Product and Business Development, AmIslamic Bank 

 
Responsible  for  the  design,  implementation  and  management  of  all  of  AmIslamic  Bank's Retail 
Banking  products,  for  liabilities  and  asset  products.  Managing  a  team  of  dedicated  individuals 
responsible  for  Product  Development,  Business  Development,  Islamic  Trade  Financing  and 
Business Support overseeing the development of an Islamic Core Banking system. 
 
End-to-end scope of responsibilities includes: 
a. Product Design, R&D for products 
b. Legal Documentation development and approvals 
c. Shari’a Committee Approvals 
d. Management Approvals 
e. End-to-end Processes & Operational Procedures 
f. Policies, Approval Matrix and Delegation of Authority 
g. Training of Staff and Resources 
h. Marketing and Distribution 
i. Establish 3rd Party Tie-Ups such as Takaful providers 
j. System Development and Implementation 
k. Develop program lending for distribution channels 
l. Product Packaging and Promotion (including branding initiatives) 
 
Information  System  Management  –  Utilising  available  technological  tools  to  provide  timely 
intelligence  to  top  management  for  better  decision  making,  and  supervising  the  IT  capability 
building to improve overall business proposition, including: 
a. Conducting system gap analysis to support MIS function and improve customer experience 
b.  Identify  system  requirements  and  supervise  the  Functional  Specifications  for  any 
enhancements 
c. Develop contingency plans for all system processes 
 
Member  of  AIBIM's  Standards  Committee  and  SMECorp  project  team  for  Shariah-compliant 
SME Financing Scheme (SSFS). 
 
System Familiarisation : TCS (Tata Group) 

Manager, Product Development, Islamic Banking Windows 

Involved  in  various  areas  of  launching  an  Islamic  Banking  proposition in the Bank, including the 
following scope of work: 
1. Product Development (Research, Assessment, Design, Development, Launch) 
2. Branch Implementation (including system implementation) 
3. Shari'a Auditor and Shari'a Secretariat 
4. Business Intelligence and MIS 
5. Budgeting and Financial Reporting 
6. Asset and Liabilities Management 
7. Profit Calculation and Distribution 
8. Product Trainer 
9. Policy maker and process owner of Islamic Banking products 
 
Product Development in the follow types of product: 
1. Deposit and Investment products based on Mudharaba 
2.  Asset  Financing  products  based  on Murabaha, Ijara (including Ijara Muntahiah Bitamleek and 
Ijara Wa Iqtina'), Istisna'a 
3. Working Capital Financing products based on Commodity Murabaha and Murabaha 
4.  Personal  Financing  products  based  on  Musharaka  Mutanaqisa,  Murabaha,  Commodity 
Murabaha and Service Ijara 
5. Interbank Treasury products based on Wakala and Commodity Murabaha 
6. Other products including Kafala guarantees and Waad structures 
 
System Familiarisation : iMal (Path Solution) 
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Cash & Investment Manager 
 
Product  Manager  for  Cash  &  Investment  Retail  Banking.  Supports  the  day-to-day  head  office 
operations  of  the  Cash  &  Investment team, including FX Rates & Time Deposits pricing to select 
customers.  Oversees  the  control  of  income  streams  and  pricing  of  the  FX-based  products  for 
the  consumer  banking  business,  including  Foreign  Currency Fixed Deposits, Currency Exchange 
and  Remittance  of  Currency. Supports the day-to-day business requirements of the Relationship 
Managers. 
 

Product Development, Cash & Investment, Islamic Banking Windows 

Holding 2 portfolios: 
1)  ABN  AMRO  Islamic  Banking  implementation  team,  in-charge  of  the  overall  set-up  of  the 
Consumer  (Retail)  Business.  Responsible  for  the  strategic  content  of  the  Islamic  Banking 
Consumer  business.  This  include  budgets,  product  plans,  launch  strategies,  Shari'a  approvals, 
product papers, policies and system evaluations. 
 
2)  Product  Manager  for  Cash  &  Investment  Retail  Banking.  Oversees  the  control  of  income 
streams  and  pricing  of  the  FX-based  products  for  the  consumer  banking  business,  including 
Foreign  Currency  Fixed  Deposits,  Currency  Exchange  and  Remittance of Currency. Supports the 
day-to-day business requirements of the Relationship Managers. 

Manager, Product Development & Marketing 

1.  Developed  Marketing  Collaterals  for  all  the  products  launched  by  the  Bank  (both  Consumer 
Retail and Corporate products) 
2. Developed internal intranet and external internet pages for all products. 
3. Event organisers for Corporate Events and MOUs signing ceremonies. 
4.  Design  and  Development  team  for  Islamic  Charge  Cards,  Personal  Financing  and  Malaysia 
My Second Home Campaigns (MM2H) 
5. Trainer for Islamic Banking consumer mortgage products. 
 
Head, Consumer Financial Services, Islamic Banking Windows 
1.  In-charge  of  Islamic  Banking  Consumer  Products  development  and  Consumer  Financial 
Services (CFS), Islamic Banking Division, includes liaising with the Group CFS division, Branches, 
as  well  as supporting the Mobile Sales channels, Retail Distribution Channels and the Bumiputra 
Development Unit. 
2.  Responsible  for  all  capability  building,  product  positioning,  and  strategy  for  the  Consumer 
Financial  Services  for  Islamic  Banking,  reporting  to  Regional  offices  as  well  as the CEO’s office 
and the ALCO. 
3.  Responsible  for  research,  design,  development  and  implementation  of  all  matters  pertaining 
to the launch of competitive Islamic products. This includes: 
a.Home Financing-i 
b.Term Financing-i 
c.Personal Financing-i 
d.Cash Line Facility-i 
4.  Supervise  all  external  parties  relationship  such  as  with  Takaful  companies,  Shari’a  Advisors 
and  Shari’a  legal  firms,  including  Malaysia  Central  Bank  and  Association  of  Islamic  Banking 
Institutions Malaysia (AIBIM). 
5.  Supervise  the development of all marketing collaterals for Islamic Banking products including 
communication for Islamic Banking products and events. 
6.Supervise  the  development  of  all  intranet  and  internet  content  for  consumer,  corporate  and 
business banking products. 
7. Principal trainer for all sales staff on Islamic Banking products (Consumer Banking). 
 
System Familiarisation : AS400 (Silverlake) 
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Assistant Vice President, Product Development Islamic Banking 
1.  Responsible  for  research,  design,  development  and  implementation  of  all  matters  pertaining 
to the launch of competitive Islamic products. This includes: 
a.Home Financing-i 
b.Term Financing-i 
c.Personal Financing-i 
d.Cash Line Facility-i 
2.Successfully  launched  the  Personal  Financing  product,  Cash  Financing-i,  which  has  become 
the  core  product  for  OCBC  Islamic  Banking  and  the  set-up  of  the  Cash  Financing-I  unit.  The 
product  provided  26%  of  Islamic  Banking  total  revenue  for  the  division  within  18  months  of 
launch. Product was launched in 2004. 
3.  Handles  all  external  parties  relationship  such  as  with  Takaful  companies,  Shari’a  Advisors 
and  Shari’a  legal  firms,  including  Malaysia  Central  Bank  and  Association  of  Islamic  Banking 
Institutions Malaysia (AIBIM). 
4.  Supervise  the development of all marketing collaterals for Islamic Banking products including 
communication for Islamic Banking products and events. 
5.Supervise  the  development  of  all  intranet  and  internet  content  for  consumer,  corporate  and 
business banking products. 
6. Principal trainer for all sales staff on Islamic Banking products (Consumer Banking). 
 
System Familiarisation : AS400 (Silverlake) 
 
 
Relationship Manager, Business Financial Services, KL Main 
1.  Part  of  Business  Banking  marketing  team  responsible  for  the  servicing  of  the  Small  and 
Medium  Industries  /  SMEs  /  Medium  and  Large  Corporate  business  requirements  for  products 
including  Term  Loan,  Equipment  Financing,  Leasing,  Trade  Financing,  Bank  and  Performance 
Guarantees, Overdrafts and Cash Management products. 
2. Islamic Banking products champion for the Kuala Lumpur Main Branch. 
3.  Credit  Analyst  for  the  preparation  of  Credit  Proposition  and  Evaluation  for  the  purpose  of 
granting credit facilities. 
4. Islamic Banking product champion for Kuala Lumpur Main 
 
 
Assistant Manager, Branch Operations, KL Main 
1. Banking operations Assistant Manager, with cash counter supervisory responsibilities. 
2.  Supervisors  for  tellers  handling  branch  products  such  as  fixed  deposits,  current  account, 
remittances and savings account. 
3.  Sales  and  Marketing  responsibilities  including  home  loans,  car  loans,  overdrafts,  insurance 
products and credit cards. 
4.  Branch  operations  Assistant  Manager,  with  cash  counter  supervisory  role  and  vault-room 
responsibilities. 
5. Islamic Banking products coordinator for the Kuala Lumpur Main Branch. 
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Assistant Manager, Credit and Marketing, OCBC Finance 
1.  Credit  Manager  for  Hire  Purchase  and  Leasing  facilities  for  SME.  Key  products  include  Hire 
Purchase  and  Leasing  products,  Trade  Lines  financing,  Overdraft  and  Cash  Management 
products. 
2.  Credit  Analyst  for  the  preparation  of  Credit  Proposition  and  Evaluation  for  the  purpose  of 
granting credit facilities. 
3.  Credit  Control  and  Recovery  function  for  credit  facilities during the late-1997 economic crisis 
period. 
4. Islamic Banking product developer for the Kuala Lumpur Main Branch for Trade products.