Afzal is a seasoned Risk Management expert with 15 years of progressive experience in banking and finance across Saudi Arabia and Sri Lanka. He has strengthened risk maturity frameworks and contributed strategically to the global Islamic finance industry. Since 2020, he has authored 50+ articles for Islamic Finance News Malaysia and was named Enterprise Risk Leader of the Year in 2024. Afzal is also the founder of “mymech,” a tech startup transforming auto care through digital innovation. His credentials include an MBA from the University of West London and multiple professional certifications in finance and risk management.