Over ten years credit risk experience, covering fundamental credit risk analysis across various industry sectors and exposure types (trading, lending, project finance). Currently driving strategic projects to enhance credit and settlement risk management at the world's leading payments company. Prior to this, oversaw a mix of wholesale, SME and retail credit risks at a rapidly growing, regulated payments fintech, building the group second line credit risk team. Strong bank based credit experienced; having owned post deal and post trade reviews, wholesale credit risk rating models (validation and model updates) and key credit risk policies at an Australian investment bank. Strong knowledge of Basel II and credit risk management governance and frameworks. Law and commerce graduate, double majored in finance and international business. CFA charterholder (first time passes) and admitted as a lawyer in the NSW supreme court, Australia. Fluent Cantonese and Mandarin speaker. Intermediate German proficiency.