Senior Credit Analyst within a fast-paced financial services environment, managing a portfolio of SME clients across diverse funding channels. With over four years’ experience in credit risk, portfolio management, and financial modelling, he has developed a full-spectrum view of the credit lifecycle. He has a solid command of financial statement analysis, credit scoring systems, and asset performance reporting, coupled with strong Excel and data proficiency. Driven by impact and continuous improvement, he has led credit process enhancements, contributed to training junior analysts, and played a key role in integrating data-led decision tools.