Banking and transformation leader with 20 years of experience across retail and SME banking in 12 international markets. Skilled in product development, CRM, customer engagement, branch transformation, and digital banking. Experienced in leading cross-market initiatives and projects, developing customer-focused solutions, and connecting digital innovation with high-quality human service.

- Banking and branch transformation
- Salesforce Financial Cloud
- SME banking and product development
- CRM strategy and customer engagement
- Customer journey and process improvement
- Propensity models and campaign management
- Digital banking and omnichannel service
- Agile, Lean, and change management
- Cross-market stakeholder coordination

Currently, serves as Group Product Owner, designing and implementing Salesforce Financial Cloud across multiple markets.