Hamida Manik

Hamida Manik currently serves as a Credit Analyst at Habib Bank AG Zurich, where she plays a pivotal role in refining and strengthening the bank’s credit operations. With over a decade of extensive experience in the banking and finance sector, Hamida has developed a deep expertise in risk analysis, credit strategy, and operational risk management. Her current responsibilities involve conducting comprehensive credit risk assessments for high-net-worth individuals (HNI), SME, commercial, and corporate clients, ensuring that lending decisions align with the bank’s risk appetite and regulatory standards such as Basel II.

Hamida’s analytical skills enable her to meticulously evaluate financial statements, cash flow projections, and market conditions, thereby minimizing potential losses and supporting sustainable growth. She regularly presents detailed risk reports to senior management and stakeholders, facilitating informed decision-making and strategic planning. Her proficiency in interpersonal communication and fluency in English and German allow her to effectively collaborate across departments and with diverse client profiles.

In addition to her core responsibilities, Hamida has deputized the Head of Group Credit during key meetings, such as the weekly Group Credit Management Committee, where she highlights potential risks associated with lending proposals. Her expertise in credit risk management, combined with her knowledge of Basel II standards and MIS reporting, positions her as a vital contributor to the bank’s credit risk framework. Hamida’s dedication to enhancing financial stability and growth underscores her commitment to operational excellence and her ongoing pursuit of professional development within the banking industry.