Mr. Abdul Malik holds extensive expertise in banking and financial services, accumulating over 16 years of experience spanning Credit, Collections, Recoveries, Business Analytics, and Customer Service functions in sectors including Retail and SME. His wealth of knowledge presents a unique skill set, motivated by a profound commitment to innovating credit and collection methodologies. Malik is wholly devoted to leveraging state-of-the-art technologies like Robotics Science, Big Data, and Natural Language Processing to spearhead transformation within this industry.
Education & Certifications
- Bachelor of Science
- Cisco Certified Network Associate
- Accounting, Business and Society
Areas of Expertise
- Risk management
- Collections
- Business intelligence
- Credit analysis
- Business analytics
Industry Exposure
- Banking
- Financial services
Previous Employers
Experience & Achievements Highlights
- Effectively overseen end-to-end collections and recoveries for substantial portfolios, creating payment restructuring plans.
- Utilized a business analysis framework to evaluate financial data, streamline cash flow procedures, and enhance work structures.
- Collaborated with CIU Head in the development of IPAD-EID
- Integration Project. Skilled in crafting and executing outcome-oriented strategies for Credit, Collections, and Recoveries, with a focus on business analytics, credit, and risk management.
- Spearheaded the recovery process, resulting in a significant increase of the recovery rate to 130%.
- Image based credit decision process: One of the 2 credit analyst involved in the pilot testing and launch of image-based processing.
