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Mizan Masram is a seasoned banking professional with extensive experience in various leadership roles within financial institutions. Currently serving as Chief Business Officer at Bank Islam Malaysia Berhad since July 2009, Mizan oversees the Consumer Banking Division, SME Banking Division, and Deposit and Cash Management Division. Previous positions include General Manager - Head of Recovery and Rehabilitation Division at Bank Islam, where Mizan managed all collections and recoveries across consumer, commercial, and corporate portfolios. Mizan also held the role of Vice President - Head of Retail Banking Collections at Citibank from April 2007 to June 2009, served as Assistant Vice President Operations at HSBC Electronic Data Processing Malaysia from April 2003 to April 2007, and was a Unit Manager for Bankcard Recovery at Citibank Malaysia from April 1996 to April 2003.