Sumit Malik is a highly experienced banking executive with more than 30 years in multinational institutions, currently holding the position of Chief Credit Officer at Sharjah Islamic Bank. He was previously worked at National Bank of Fujairah and HSBC. Throughout his career in the banking sector, he has focused on credit risk management, governance, and lending practices. His experience includes integrating ESG principles into banking and participating in expert policy groups on sustainable finance that developed advocacy strategies and managed official-sector engagement.