Senior Transformation & Business Executive with 20+ years of international experience across banking, consumer finance, and fintech in Europe and Asia. Proven track record of leading large-scale transformations, building new business models and revenue streams, launching sales channels, and scaling teams and operations from startup to nationwide scale. Strong ability to connect strategy with execution, bringing structure and direction to complex environments and building high-performing teams capable of delivering measurable business impact. Particularly effective in transformation, growth, digitalization, operational improvement, and business build-up situations where organizations need to change, scale, or establish new capabilities quickly. Combines strategic leadership with a hands-on, people-oriented approach, with a strong focus on execution, transparency, and sustainable business results.