Ahmad Norfirdous Ahmad Razali
Paris
Summary
Assistant Manager with a background in hire purchase sales, credit analysis, and Shariah-compliant financing across dealer and consumer portfolios. Supported disbursement control, KYC workflows, and stakeholder coordination to keep funding processes on track while building market awareness and customer relationships.
Overview
11
11
years of professional experience
Work History
ASSISTANT MANAGER
Bank Islam Malaysia Berhad
Kuala Lumpur
04.2021 - 08.2025
- Directed hire purchase sales initiatives, which increased dealer and consumer engagement across Malaysia.
- Oversaw annual disbursements totaling 10.45m EUR for national and non-national business.
- Managed repayment portfolio performance across assigned dealers.
- Reviewed financing applications, ensuring Shariah alignment and regulatory compliance for risk mitigation.
- Aligned communication among stakeholders to streamline disbursement workflow and enhance operational efficiency.
- Coordinated KYC documentation and account opening workflows.
- Maintained compliance with safety requirements and company policies.
MARKETING & CREDIT SENIOR EXECUTIVE
Hitachi Capital Malaysia Sdn Bhd
Kuala Lumpur
04.2018 - 03.2021
- Achieved 15-20% increase in VOB for the team through new relationships with top industry suppliers.
- Built strategic relationships with top industry suppliers, contributing to a 15-20% increase in VOB for team.
- Built new supplier relationships across industry, helping drive a 15-20% increase in VOB for the team.
- Expanded market reach by offering hire purchase, operating lease, and finance lease solutions across major industries in Malaysia.
- Extended financing reach by providing hire purchase, operating leases, and finance lease options to major industries in Malaysia.
- Broadened business presence by delivering hire purchase, operating lease, and finance lease solutions across major industries in Malaysia.
- Applied financial and credit analysis to evaluate customer performance and credit risk.
- Improved credit decisions through financial and credit analysis of customer performance and risk.
- Increased company awareness in the market through active support for public sector tender projects.
MARKETING & CREDIT EXECUTIVE
ORIX Rentec (M) Sdn Bhd
Kuala Lumpur
09.2015 - 04.2018
- Delivered first Islamic leasing and factoring solutions in Malaysia, directly contributing to annual budget achievement of RM6.54M.
- Prepared credit reports and assessed each customer's profile while following AMLATFA guidelines from Bank Negara Malaysia.
- Marketed ICT offerings to new and existing customers, enhancing brand visibility and customer engagement.
- Developed and implemented strategies to improve executive efficiency.
- Monitored compliance with company rental procedures and documentation standards.
- Compiled reports on progress toward organizational goals and objectives, providing insights for strategic decision-making.
GLOBAL SUPPORT EXECUTIVE
HSBC
Kuala Lumpur
02.2015 - 08.2015
- Facilitated liaison between customers, Premier Centres, and Relationship Managers to enhance communication and service delivery.
- Coordinated customer transitions and ensured comprehensive service support for a seamless experience.
- Streamlined client service coordination across HSBC banking operations and effectively managed stakeholder requests.
- Reviewed account details for accuracy, completeness, and policy compliance.
- Reviewed account information for accuracy, completeness, and policy adherence.
Education
Hons. Bachelor - International Business
UITM MELAKA
Malacca, Malaysia01-2015
Diploma - Business Studies
UITM SUNGAI PETANI
11-2011
Skills
- Financial reporting
- Credit risk assessment
- Shariah compliance
- Credit analysis
- Credit appraisal
- Disbursement control
- Hire purchase management
- Lease financing strategies
- Regulatory compliance
- Microsoft Office expertise
- Problem solving
- Communication skills
- Regulatory compliance
- Microsoft office expertise
Affiliations
- Malaysian Diplomat in Paris
Timeline
ASSISTANT MANAGER
Bank Islam Malaysia Berhad
04.2021 - 08.2025
MARKETING & CREDIT SENIOR EXECUTIVE
Hitachi Capital Malaysia Sdn Bhd
04.2018 - 03.2021
MARKETING & CREDIT EXECUTIVE
ORIX Rentec (M) Sdn Bhd
09.2015 - 04.2018
GLOBAL SUPPORT EXECUTIVE
HSBC
02.2015 - 08.2015
Hons. Bachelor - International Business
UITM MELAKA
Diploma - Business Studies
UITM SUNGAI PETANI