Arqum Malik

Arqum Malik is an accomplished business analyst specializing in embedded lending and product management, currently serving at NymCard since February 2025. With previous roles at Fauree, Neem, Bank Alfalah Limited, Dubai Islamic Bank, and Habib Bank Limited, Arqum has extensive experience in digital consumer lending, digital payments, and financial inclusion. Expertise includes product development, lending risk segmentation, and the implementation of artificial intelligence in credit scoring models. Arqum holds a BBA in Business from Texas Christian University and a BS in Computer Science from Karachi Institute of Technology & Entrepreneurship.