
Highly accomplished and results-oriented Area Credit Manager and Business Manager with over 10 years of progressive leadership experience in credit management, branch operations, and collections within the banking and motorcycle trading industry. Proven track record of managing multi-branch operations (up to 42 branches), leading large teams, achieving consistent sales and collection targets, and improving portfolio quality through sound financial judgment and operational discipline. Goal: To contribute to a reputable organization by leveraging my leadership, financial analysis, and credit operations expertise to drive profitability and sustainable growth.