Senior Banking Executive with 25+ years of leadership experience in foreign/international banks, in retail banking, credit risk, NPL portfolio management, and regulatory compliance. Track record of leading cross-functional teams (100+ FTEs), managing P&L performance, reducing non-performing loan (NPL) ratios, and driving enterprise-wide change initiatives. Recognized for building strategic frameworks that optimize recovery rates, exceed financial targets, and align with EBA guidelines. Skilled in strategic planning, governance, operational transformation, and credit portfolio optimization. Open to senior roles driving institutional growth and innovation.