Prior to taking the role of Chief Technology Officer at Permodalan Nasional Berhad (PNB), Muzzaffar was recently the Head of Digital Transformation & Strategy for Maybank Group accountable for evaluating and executing innovative technologies and business models. He has over 20 years of experiences ranging from supply chain management, customer experience, property management, aircraft trading and leasing and technology. He has worked in PwC, IBM, Citibank, Malaysia Airlines and most recently Maybank Group of companies. Before joining Maybank, he was the Head of Information Technology and Transformation for Etiqa Insurance & Takaful. His extensive experience in both financial service and enterprise sectors provides him with keen understanding and knowledge of how organisations and businesses in Malaysia are growing in technology and digital transformation.