
Hafidz Malek
Mortgage Loan Officer

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About me
Cost Management, Network Engineering Technology Division
Education

Sekolah Menengah Teknik Kulim, Kedah
2001 - 2002Sijil Pelajaran Malaysia Electrical and Electronics Engineering PASS SPMActivities and Societies: Taekwondo, English Club, Science Club, Bowling, Volley Ball, Debate Club and Choral Speaking Teknologi Elektrik, Pemasangan dan Kawalan Elektrik and Lukisan Geometri dan Elektrik

Universiti Tenaga Nasional
2004 - 2007Bachelor’s Degree Finance, General 2.46Activities and Societies: English Club, Science Club, Finance & Investment Club, Persatuan Pembimbing Rakan Sebaya, Debate Team, Choral Speaking, Taekwondo, Bowling, Rugby, Softball, Tennis and Soccer. Graduated with Honors in Finance from Universiti Tenaga Nasional. Core Finance subject taken Financial Accounting, Management Accounting, Malaysian Economy, Microeconomics, Macroeconomics, Malaysian Commercial Law, Research Methods, Financial Management, Corporate Finance, Financial Statement Analysis, Investment, International Finance, Financial Market Institutions, Security Analysis & Portfolio Management, Insurance & Risk Management, Derivatives Market, Finance Theory, Bank Management, and… Show more Graduated with Honors in Finance from Universiti Tenaga Nasional. Core Finance subject taken Financial Accounting, Management Accounting, Malaysian Economy, Microeconomics, Macroeconomics, Malaysian Commercial Law, Research Methods, Financial Management, Corporate Finance, Financial Statement Analysis, Investment, International Finance, Financial Market Institutions, Security Analysis & Portfolio Management, Insurance & Risk Management, Derivatives Market, Finance Theory, Bank Management, and Project Paper In Finance (Right Issue Announcement and Its Effect On Stock Return In Bursa Malaysia) Show less

Universiti Tenaga Nasional
2003 - 2004Foundation degree Business Administration and Management, General 2.40Activities and Societies: Persatuan Pembimbing Rakan Sebaya, Softball, Rugby. Basics exposures on Business Accounting, Quantitative Analysis, Business Management, Microeconomics, Finance, Business Mathematics, Macroeconomics and Marketing.
Experience

Citibank Berhad
Jan 2008 - Mar 2008Mortgage Loan Officeri. Consults with customers to offer lending solutions that meet their home financing needs and promote Citbank and its financial services.ii. Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution.iii. Make recommendations to customers about which lending solutions would be best meet the customer’s financial and personal objectives. Advise customers about the consequences, risks and benefits of alternative lending solutions. Show less

HSBC HDPM
May 2008 - Dec 2008Executive Global Support, EPS CSi. Handle all the payment transfer as well as payment investigation through MIDAS and MPS systems.ii. Locate and trace the payment made by the remitter until it reaches the final beneficiary.iii. Maintains accounts of mostly foreign customers - through foreign bank for example Royal Bank of England, Citibank, Royal Bank of Scotland, Barclays.

Bank Islam Malaysia Berhad
Jan 2009 - Apr 2012Assistant Manager Operationi. Responsible and accountable to the Branch Manager in handling operational matters related to branches requirements and attending financing/trade finance operations related matter such as redemption, discharge transactions, disbursements and repayment activities.ii. Handling of CASAIA opening accounts and managing CASAIA CIF and its integrity.iii. Handling of customer’s enquiries and complaints.iv. Ensure all operational functions are completely and properly perform by the staff while conveying a feeling of trust, service, security and satisfaction to customer and staff. Also responsible for overseeing the teller function, ATM transactions and customer service duty. Show less

AMSAY LETRIK SDN BHD
May 2012 - Jun 2018Project and Operations Managementi. Coordinate internal resources and third parties/vendors for the flawless execution of projects. Ensure that all projects are delivered on-time, within scope and within budget.ii. Develop a detailed project plan to monitor and track progress. Manage changes to the project scope, project schedule, and project costs using appropriate verification techniques.iii. Report and escalate to management as needed.iv. Perform risk management to minimize project risk. Establish and maintain relationships with third parties/vendors. Create and maintain comprehensive project documentation. Show less

JAKEL PROPERTIES SDN BHD
Jul 2018 - Jun 2022Head of Propertiesi. Overseeing the collection of client accounts in a manner that ensures high client satisfaction as such to communicate in an efficient manner with client as well as the broader accounts receivable team while reporting to the financial controller.ii. Creating procedures and policies that ensure timely payment while maintaining a high level of client retention.iii. Reconciling complex accounts that have been escalated from the AR team.iv. Monitoring debtor balances to ensure a reduction in debtors DSO.v. Ensuring credit and collection policies are followed within team.vi. Liaising with clients, as well as internal personnel including leasing team. Show less

Digi Telecommunications
Jun 2022 - nowHead of Cost ManagementManage overall new and renewal of site tenancy/leasing agreement.Ensure renewal process are adhere strictly by MS partner and solicitors as guided and agreed process.Share monthly governance discussion with MS partner and solicitor.Monitor and ensure monthly rental/leasing fee as forecasted and anticipate exposure (risk).Manage lanlords or external party query on timely manner.Establish good engagement with leasing partners and building owners to enable smooth working communications.Establish proper strategies in dealing with landlord and building owners on the renewal of tenancy agreement and problem solving.Coordinate monthly risk escalation for expired sites to internal stakeholders.Lead rental management team to support in MFRS16 for all outstanding listing on site as well in renewals.Lead rental management team to provide contracts to finance team, to provide contract matching to MFRS16 submission data to documents in Netpro.Establish and formulate strategies to manage accrual, clean up with region SA and finance to close legacy accruals.To ensure team provide daily, weekly report which includes escalation of foreseen issues and risk that may affect current network.Lead OPEX saving initiative and perform duties diligently.Work in hand within company's internal management to achieve the organisation goals/objective. Show less
Licenses & Certifications
- View certificate

Customer Experience: Journey Mapping
LinkedInOct 2023 - View certificate

Data-Driven Decision-Making for the Real World
LinkedInOct 2023 - View certificate

Understanding Augmented and Virtual Reality: An Introduction
LinkedInOct 2023 - View certificate

Root Cause Analysis: Getting to the Root of Business Problems
LinkedInOct 2023 - View certificate

Creating a Positive Customer Experience
LinkedInOct 2023 - View certificate

Customer Experience Leadership
LinkedInOct 2023 - View certificate

Introduction to 5G
LinkedInOct 2023 - View certificate

Customer Experience: Creating Customer Personas
LinkedInOct 2023 - View certificate

Artificial Intelligence and Business Strategy
LinkedInOct 2023 - View certificate

Networking Foundations: Networking Basics
LinkedInOct 2023 - View certificate

Daily Habits to Live Sustainably
LinkedInNov 2022 - View certificate

A Design Thinking Approach to Putting the Customer First
LinkedInOct 2023 - View certificate

Augmented Reality Marketing
LinkedInOct 2023 - View certificate

5G Technology Strategy: Next-Generation Mobile Networking
LinkedInNov 2022 - View certificate

Tech Trends
LinkedInOct 2023 - View certificate

The 10 Pillars of Customer Experience
LinkedInNov 2022
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