I am the Chief Risk Officer with UnionDigital Bank responsible for Creditr, Market, Liquidity, Operational and IT Risk. Prior to thos I managed senior leadership roles overseeing 17 mature and developing markets across Asia in cards, payments & lending and wealth management businesses in Citibank APAC. Strong collaborative leadership style focused on empowering diverse & multi-culturalteams. Extensive experience in building and scaling in managing credit risk and analytics practices

in diverse markets, economic environments and credit cycles.