MOHAMMAD HAFIZ BIN ASHAARI

[email protected] • 013-7346040 • 13A-03A Vista Danau Kota, No.7 Jalan Danau Saujana 1, 53300 Setapak, Kuala Lumpur

PROFESSIONAL SUMMARY

Motivated and adaptable professional with a Bachelor Degree in Business Administration (Hons) Finance and extensive experience in customer service, administration, and finance. Proven ability to manage multiple tasks efficiently, communicate effectively, and work collaboratively in team environments. Committed to delivering high-quality support and contributing to organizational success through strong interpersonal skills and a proactive approach.

WORK EXPERIENCE

Section Head / AVP
01/2019 - Present
Bank Simpanan Nasional (BSN) – Retail Banking Department Micro Business Division
• Ensured disbursement asset growth positively based on management target
• Ensured sustained repayment performance of Micro Accounts across current and past three-year issuances, aligning with management targets and maintaining “Prompt” status
• Ensure customer nomination targets are met for attending suitable training programs to help upgrade their skills and knowledge from Micro to SME level
• Review approvals for BNM Funds products, including new applications and repayment processes to Bank Negara Malaysia via e-FIRST system
• Submission for guaranteed approval i.e. SJPP or CGC for cases approved under Micro products
• Managed payment to SJPP or CGC for cases approved for activation and renewal
• Ensure monthly invoice payments to CGC, SJPP, EIS, CBM, Micro Kiosk, and other vendors are managed efficiently
• Systematically prepare, review, and manage the BA2800 (Micro Business Division) budget, ensuring effective semi-annual control and maintaining overall budget
• Handle and monitor customer complaints at both Head Office and State Micro levels, ensuring updates are recorded in the Complaint Management System (CMSys)
• Managed disbursement i-TEKAD matching grant for Participant Financial Institutions (PFIs) under MOF & BNM
• Managed human resources and admin functions related to Micro Staffs
Section Head / Senior Executive
02/2014 - 01/2019
Bank Simpanan Nasional (BSN) – Micro Finance KL Credit Supervisory Team
• Supported loan application reviews, ensuring alignment with credit policies and risk assessment standards
• Monitored KL Micro Finance account payments to ensure prompt collections and minimize delinquencies
• Managed portfolios monitoring, collections, and recovery efforts to reduce non-performing loans (NPLs)
• Conducted follow-up calls to clients with 1–3 (MIA), reinforcing repayment commitments
• Coordinated monthly collection campaigns to improve recovery rates and portfolio health
• Managed applications for R&R, AKPK, and Written Off paper for management approval
• Ensured adherence to internal procedures and regulatory requirements, minimizing audit findings
• Provided advisory support to clients on improving business performance and financial sustainability
• Performed post-disbursement and annual review visits to assess loan utilization and business progress after disbursement
Executive
08/2011 - 01/2014
Bank Simpanan Nasional (BSN) – Micro Finance HQ Admin and Support Services
• Loan Documentation
• Prepared offer letters, loan agreements, and guarantee documents in line with internal policies and regulatory standards
• Ensured all loan terms and conditions were fulfilled prior to disbursement
• Verified transactions and supporting invoices to confirm alignment with approved loan purposes
• Managed documentation and submission processes for LHDN (Stamp Duty), ensuring timely and accurate compliance
• Managed Takaful / Insurance submission, payment and policy execution and claims
• Admin & Support
• Monitored staff attendance records and submitted reports to Human Resources for compliance and payroll processing
• Oversaw maintenance of office facilities and equipment to ensure smooth daily operations
• Supported HR in recruitment activities for Microfinance roles, including candidate coordination and documentation
• Customer Experience
• Responded promptly to customer inquiries, ensuring high levels of satisfaction and professionalism
• Resolved customer issues efficiently, maintaining service quality and adherence to company standards
• Handled complaints via phone and in-person walk-ins, demonstrating empathy and effective problem-solving
Internship Trainee
11/2010 - 04/2011
Bank Simpanan Nasional (BSN) – Micro Finance KL Loan Processing Unit
• Operated and maintained office equipment to support daily administrative functions
• Contributed to marketing initiatives for microfinance products, enhancing outreach and client engagement
• Assisted loan officers with documentation, site inspections, and credit evaluations
• Conducted supervised post-disbursement visits to monitor loan utilization and client compliance

EDUCATION

DIPLOMA IN BANKING
01/2006 - 01/2009
Universiti Teknologi MARA (UiTM), Arau, Perlis , Arau, Perlis GPA: 2ND Class Upper, CGPA: 3.32 out of 4.00
CERTIFIED CREDIT EXECUTIVE (CCE)
01/2022 - 01/2022
Asian Institute of Chartered Bankers (AICB) GPA: PASS

SKILLS

CERTIFICATIONS

CERTIFIED CREDIT EXECUTIVE (CCE)
01/2022
Asian Institute of Chartered Bankers (AICB)