Zarif Lydiya Zulkifli joined PBSN in September 2022 as a Research Analyst. She conducts an analysis on industry trends and Malaysia stock market conditions to support PBSN’s objectives and strategies. Create insightful analysis and provide strategic recommendations based on research findings to drive company business growth. Prior to joining PBSN, she works with Petronas as a trainee. She graduated from University Technology MARA (UiTM) Puncak Alam with a Bachelor’s Degree in Accountancy.