Zilhazran Md Hamzah is an experienced professional at RHB Banking Group since June 2014, currently serving as VP of SME Digital Banking and Squad Lead for SME Design Solution. Zilhazran executes initiatives to enhance SME Lending journeys by innovating key credit processes and digital solutions. Previous roles include Project Manager for Group SME & Commercial Banking Credit Management, implementing large-scale credit transformation practices, and Senior Manager in Group Strategy & Transformation, leading credit transformation projects. Prior experience includes a Senior Consultant position at IBM, where Zilhazran designed Target Operating Models, and as an SAP Consultant at The iA Group, focusing on SAP implementations. Zilhazran holds Bachelor of Business Administration degrees in Management Information Systems and Entrepreneurship from Wichita State University.