Muhammad Effendy Zulkarnain

Muhammad Effendy Zulkarnain has a diverse work experience in the financial and insurance industry. Muhammad Effendy is currently a Senior Executive at Takaful Malaysia since January 2023. Prior to this, they worked at AIA, where they held multiple roles including Client Management Analyst in the Corporate Solution Division from March 2021 to January 2023, Employee Benefit Ambassador in the Corporate Solution Division from April 2020 to March 2021, and Corporate Sales Associate in the Employee Voluntary Solution from October 2017 to May 2020. Before joining AIA, Muhammad worked as a Financial Consultant at CIMB from June 2016 to October 2017, and as an Assistant Sales Manager at Hong Leong Islamic Bank Berhad from April 2015 to April 2016. Muhammad Effendy also gained experience as a Financial Consultant at CIMB from April 2013 to April 2015, and as a Financial Executive at Public Bank from July 2011 to April 2013.

Muhammad Effendy Zulkarnain attended Universiti Selangor from 2007 to 2010, where they pursued a degree in Business Management. Muhammad Effendy'sfield of study specifically focused on Business Administration and Management, covering various aspects within the business world.