Tengku Umi Hanizai Binti Tengku Ahmad

[email protected] • +60132889827 • Kuala Lumpur, Malaysia

LinkedIn: Tengku Umi Hanizai Tengku Ahmad | LinkedIn

PROFESSIONAL SUMMARY

Dynamic experience in microfinance with over 10 years of expertise driving micro finance to elevate market presence. Currently spearheading initiatives that have secured a commanding 68% market share for BSN as of July 2025, demonstrating exceptional strategic planning and financial analysis skills. Proven track record in optimizing loan portfolios and leading cross-functional teams to exceed growth targets while mitigating risks. Committed to leveraging deep industry knowledge and innovative solutions to propel BSN to the forefront of microfinance market leadership.

WORK EXPERIENCE

Section Head (Micro Finance)

09/2021 - Present

Bank Simpanan Nasional , Kuala Lumpur, Malaysia

• Lead the Micro Finance division, overseeing strategy, operations, and team performance

• Develop and implement financing programs for SMEs and micro-entrepreneurs

• Manage end-to-end project execution, stakeholder communication, and compliance

• Oversee credit evaluations, risk assessments, and customer servicing processes

• Drive continuous improvement and operational efficiency across the unit

Business Financing Executive (Micro Financing)

08/2012 - 09/2021

Bank Simpanan Nasional , Kuala Lumpur, Malaysia

• Provided tailored microfinance solutions to individual clients and small businesses

• Conducted customer profiling, financial assessments, and credit evaluations

• Built and maintained strong relationships with clients, ensuring high customer satisfaction

• Achieved business targets consistently while adhering to risk management policies

• Collaborated with cross-functional teams to support marketing and outreach campaigns

Customer Service Personal Finance

01/2010 - 01/2012

AmBank Berhad

• Customer Support for Personal Finance Sales and Credit Administration team

Customer Support

01/2008 - 01/2010

HSBC Global Banking and Markets - Malaysia

• Interest Claims International Fund Services unit

• Cross functions to assist Cash Management Division

EDUCATION

Bachelor of Business Administration (BBA), Business Economics

03/2007

Universiti Teknologi MARA (UiTM)

SKILLS

PROJECTS

Micro Finance BizJamin Guarantee Scheme

• Designed and implemented an innovative guarantee method for Micro Finance BizJamin Guarantee Scheme, enhancing risk assessment and approval processes using data-driven algorithms

• Led end-to-end development including requirement analysis, solution architecture, and deployment, resulting to increase in guarantee approvals and improved client trust

• Collaborated with cross-functional teams and secured an industry award from CGC recognizing the initiative's impact on financial inclusion and operational efficiency

CERTIFICATIONS

Certified Credit Executive (CCE)

05/2021

Asian Institute of Chartered Bankers

Computerized Unit Trust Examination (CUTE)

02/2024

Federation of Investment Managers Malaysia (FIMM)

Time Management, Multitasking & Stress Management

06/2024

Compass Mind Asia