More than 15 years of significant experience in financial services and credit industry with an in-depth knowledge of risk management applicable to consumer retail, SME and Corporate. Risk management professional with a successful track record of delivering outstanding results and building sustainable relationships. Adept at managing partner and client relationships through effective communication at all levels of the organisation. In-depth knowledge of credit risk management, risk finance and regulatory risk (Loan Origination, NDoD, NPL, IFRS9). Data science expertise with ability to leverage Big Data environments and technics.