Zainal Abidin bin Hj Mohamed

Trainer Zainal


  • MBA (UK)
  • DBS (UiTM)
  • CIB (AIM Manila)
  • Certified Executive Coach (CEC) of International Coach Federation
  • HRDF Certified Trainer
  • Certified NLP Practitioner and Coach of ABNLP
  • Speaker for Conventional and Islamic Banking



  • English
  • Bahasa Melayu


  • English
  • Bahasa Melayu


A recipient of “Darjah Mulia Seri Melaka” and “Darjah Seri Melaka” by TYT Yang di-Pertua Negeri Melaka that grants him a title of “datukship”. Zainal , former Senior Vice President / General Manager of Ambank Islamic / Ambank Berhad.  Brings over almost 3 decades of experience helping corporate organization, business executives and aspiring entrepreneurs discover success.  A qualified senior management professional with significant experience in managing branch operations, corporate business transactions as well as business acquisitions for corporate/ institutional, business and retail banking, having 30 years’ track record in the banking and finance sectors, for both, Islamic and Conventional.

Zainal  brings a strong and unique business knowledge that is demonstrated through his extensive experience as a high-ranking ex-banker. Started his career in banking sector way back in 1985 when he was recruited as Credit Officer of the local bank before to join Arab-Malaysian Finance Berhad in 1989. He was a Regional Manager and Branch Manager of Ambank Berhad  and  Arab-Malaysian Finance Berhad ( Now known as Ambank Bhd) respectively for many years. Here, he helped, managed and trained staffs from all categories on various areas ; financial planning, sales, credits, merger –integration, collections, customer service. He developed strategies on how companies (branches and regions) see return on investment. Managed strategic & operational aspects of branches in the region aimed at enhancing organizational bottom lines by streamlining business strategy/ sales operations, credit management   and optimizing operating overheads.


  • Played key role in launching new products for banks – Factoring-Islamic, Ar-Rahnu, Murabahah Tawaruq Term Financing, Overdraft, Revolving Credit- Islamic, Syndication Term Financing, Housing Development Account- Islamic, Financing Product in Foreign Currency (Term Financing, Revolving Credit and Overdraft), Reactivation of Ijarah Muntahiah Bit Tamleek), Credit Card for Corporation and Musyarakah Mutanaqisah Housing Financing
  • Successfully enhanced ‘Bainah’ concept based on directives of Central Bank of Malaysia
  • Acknowledged by Central Bank of Malaysia for promoting “Musyarakah Venture” as one of the alternative business model to mitigate risk of non performing financing and business failure
  • Functioned as Interim Chief Executive Officer managing day-to-day business operations of Abrar Finance Berhad prior to take over and merger by Arab-Malaysian Finance Berhad.
  • Worked as Chief Executive Officer / Managing Director spearheading operations of the International Currency Business Unit (ICBU) of the bank as well as defining value enhancement strategies based on shareholder expectations; Head of Corporate Banking to cater for bridging, property, working capital and business loans for development of property as well as vessel financing and syndicated loans.
  • Instrumental in launch of various schemes as Chairman of the Scheme – Shariah Compliant SME Financing Scheme (RM2.00 Billion allocated by participating banks for eligible Malaysia SMEs with the Government of Malaysia paying 2% of the profit rate charged on financing); Shariah Compliant Commercialization Innovation Fund (CIF) (RM500.00 Million allocated by participating banks to finance eligible Malaysian companies for Shariah compliant innovative products/ services in the commercialization stage with the Government of Malaysia paying 2% of the profit rate charged on financing.


  • Chairman, Shariah Compliant SME Financing Scheme Committee, Association of Islamic Banking Institutions Malaysia (AIBIM), Apr 2012 – Jul 2015)
  • Member of the Main Committee of Agricultural Commercial Funds owned by Ministry of Finance, Malaysia, Jan 2011 – Dec 2014
  • Member of Shariah Advisory Board, DMDI Finance House Berhad, Sept 2013 till 2017
  • Fellow (Associate) of Institute of Malaysia Banks (IBBM)
  • A member of Melaka Maju Committee 2010
  • Chairman of Banking Association, Melaka Region, 2003-2006



·         Accountant General of Malaysia

·         Syarikat Air Melaka

·         Majlis Perbandaran Hang Tuah Jaya/ Alor      Gajah/ Jasin/ Masjid Tanah

·         Malaysia Airport Holding Berhad

·         Majlis Amanah Rakyat (MARA)

·         Permodalan Usahawan National

·         Malaysia Palm Oil Board (MPOB)

·         Selangor State of Government and its Kerajaan Tempatan

·         Perbadanan Putrajaya

·         National Farmers’ Association (NAFAS)

·         Melaka and Negeri Sembilan State of Government

·         RISDA

·         Port Klang Authority

·         Lembaga Zakat Negeri Selangor

·         Malaysia Registrar of Company

·         Utusan Malaysia

·         KTM Berhad

·         Perbadanan Tabung Pendidikan TinggI National

·         CAGAMAS (M) Berhad

·         SIRIM

·         Parti Pribumi Bersatu Malaysia

·         University Putra Malaysia

·         LIEBHER Appliance Kluang Sdn Bhd

·         Agensi Anti Dadah Kebangsaan (Negeri Sembilan)

·         Kasih Holding Sdn Bhd


Strategic Planning

Collaborate with the senior management in defining strategies to match with organizational business objectives; conduct root cause analysis on potential business impact related to change; interact with business partners to analyze new projects, readiness for governance decisions and provide transparency of portfolio investments



Adroit in rendering consultancy to the CEO and Board of Directors on financial strategies, impact on organizational objectives including improvement of internal controls & financial efficiency; assist in establishing Service Level Agreements and metrics dashboard including quality measurements. Review internal and external Service Level

Agreements to identify areas of improvement

Process Improvement

Skilled in implement various service improvement plans/budgetary controls for enhancing existing business processes as well as maintaining consistent cash flow; collaborate with business partners to create clear program goals and potential program improvements. Communicate goals internally to acquaint staff of expectations and consequences


Excellence, Risk  and Compliance

Proven skills in managing teams to work in sync with the company set parameters & motivating them for achieving business and individual goals; Identifying specific talents and aspirations of employees and facilitating

skill enhancement sessions enabling career growth for employees within the organization. Ensured compliance to Shariah and financing risk parameter across business entities in the Group.



Highly organized and client-focused, having outstanding skills in interacting with clients, understanding their requirements and accordingly devising customized solutions, thereby maintaining complete client satisfaction and creating repeat business opportunities

Team Building,

Training &


Visionary & decisive leader, noted for sound, practical management style and excellent organization, communication, presentation & interpersonal

skills; Proven ability to lead and motivate large cross-functional and multi-cultural teams to maximize productivity, ensuring technical solutions meet business requirements.


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