Hafiza joined MARC as Rating Portfolio Head for Infrastructure and Telecommunications. Hafiza started her career in a financial institution and later joined Rating Agency Malaysia Berhad where she spent more than 17 years in credit rating. Most recently she spent close to 8 years at UEM Group Berhad in the area of risk management. Hafiza holds a Bachelor of Business Administration (Finance) and a Master of Business Administration (Finance) from Western Illinois University, USA.