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Muhammad Aizuddin Abd. Razak has over a decade of experience in credit risk management across prominent financial institutions in Malaysia. Currently serving as Vice President of Credit Risk and Model Governance at Bank Simpanan Nasional since August 2021, Muhammad oversees the management of Retail Scorecards and product specifications for various financing products. Prior to this role, Muhammad held positions at UOB as Team Lead in the Central Review Team focusing on SMEs and spent six years at Maybank in various capacities including Manager in Risk Management, Compliance, and Analytics. Additionally, early professional experiences include roles at IF Derivatives, AEON Credit Service, and foundational education in Accounting, culminating in ongoing advanced studies in Strategic Management Accounting and completion of CIMA certification.