Experienced Business Analyst with 9+ years delivering solutions in highly regulated Banking, Consumer Credit, and Trading Strategy domains. Recognized for rapid problem-solving and solution design, supported by a hybrid skill set that combines business domain expertise with deep technical fluency. Led and delivered multiple successful go-live deployments for complex, workflow-driven systems across major financial institutions.
Muhammad Fareid Bin Zulkifli
Kepong, 52100 Kuala Lumpur, Malaysia
Professional Summary
Professional Experience
Jun 2021 – Dec 2025
Founder
Luq Technology- Founded and operated specialized consultancy developing personalized trading indicators for TradingView platform, serving individual traders and trading education providers.
- Delivered end-to-end trading solution development for more than 150 projects spanning requirements gathering, iterative refinement, testing, and deployment by applying full SDLC methodology adapted from previous enterprise BA experience.
- Successfully reached 6-figure revenue milestones within the 1st year of operations.
- Achieved industry recognition with 2 open-source indicators selected as TradingView Editor's Picks and public endorsements from established Malaysian trading educators for scripting proprietary strategies.
Jan 2017 – May 2021
Associate Manager, Business Consultant
Hitachi Ebworx, Petaling Jaya, Selangor- Led cross-functional BC teams across full SDLC phases to deliver successful new projects and Change Requests for CIMB Singapore and Malaysia’s entire consumer credit application processes.
- Spearheaded re-platform initiatives for credit management system to modern architecture, reducing end-to-end manual processing time from several days to near instant approval process.
- Led Production Verification Testing teams across multiple critical deployments, leveraging unique dual business-technical expertise to rapidly diagnose issues, propose immediate workarounds, and provide decisive analysis that informed client go/no-go decisions.
- Designed and delivered the company’s first SQL training programme for Business Consultants, including curriculum development, to strengthen analytical capability and cross-functional collaboration.
- Generated new business revenue by analysing and proposing additional functionalities through new Change Request contracts that are aligned with client’s evolving business needs.
Mar 2015 – Aug 2016
Senior System Analyst
Juris Technologies, Bangsar South, Kuala Lumpur- Bridged business, IT, and executive stakeholders across multiple banking projects, ensuring cross-functional alignment and requirements clarity. Clients involved: Agrobank, Bank Rakyat and Bank Persatuan.
- Delivered functional consultancy for Loan Origination Systems, supporting integrations with Core Banking, CCRIS, CTOS, Biro Angkasa, credit scoring engines, and related banking platforms.
- Adapted rapidly across diverse client environments, navigating varying business rules, regulatory requirements, and system landscapes.
- Founding member of elite Proactive Customer Service (PCS) team, requiring mastery of multiple banks' unique system requirements to resolve post-go-live issues and change requests which significantly reduced operational burden on active project teams.
Education
2015
Bachelor of Mathematical Sciences (Hons)
International Islamic University Malaysia (IIUM)2008
Sijil Pelajaran Malaysia (SPM)
MRSM Alor Gajah, MelakaSkills
Business Analysis & Requirements
Requirements Elicitation & Functional Documentation, Stakeholder Management, Gap Analysis, Process Mapping, User Acceptance Testing (UAT), Production Verification Testing
Technical & Data
SQL (Database Analysis & Querying), Core Banking Systems Integration, API Integration, Scripting & Automation, SDLC Methodologies, System Design & Architecture Understanding
Project & Leadership
Cross-functional Team Leadership, Training Programme Design & Delivery, Client Relationship Management, Change Request Management, Revenue Generation through Solution Design