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Nik Ajib has a background in credit evaluation and management, with experience in various financial institutions such as Affin Bank Group, AEON Credit Service Berhad, RHB Banking Group, and HSBC. With a Bachelor's degree in Economics, Nik Ajib has held roles such as Credit Manager, Credit Evaluation Manager, and Assistant Manager focusing on SME credit facilities and loans. Responsibilities have included assessing credit applications, ensuring quality assets are booked, and managing centralized credit approval centers. Nik Ajib also has experience in processing lending facilities and evaluating credit applications under different platforms.