Financial Services Executive & Fintech Investor with 25+ years experience optimizing product P&L, credit risk, and portfolio performance in retail and consumer lending. I leverage advanced financial modeling, data analytics, and robust credit frameworks to drive strategic growth, NPL reduction, and market share expansion. My expertise includes digital transformation, product innovation, and regulatory compliance within dynamic financial landscapes. Holding a DBA (ABD) in Digital Banking and an MBA in Marketing, along with comprehensive certifications (Banking Credit, Investment, NMLS, CFI)