Led the development and execution of recovery strategies that achieved a 40% reduction in credit costs within three months, while also designing and launching new features and solutions that improved recovery rates and decreased monthly default cases from 14% to 5%

Utilized business performance data to enhance decision-making and identify revenue and cost-saving opportunities, while pioneering process improvements that ensured a 95% completion rate for timely digital banking feature delivery in Q2 2022.

Led a team to develop and implement retail banking strategies, resulting in a 5% increase in customer engagement among three million portfolio customers. Drove innovation and digitalization efforts that achieved a 10% monthly increase in mobile banking users and constructed a deepening framework with tactical programs for 1,000 branches nationwide.

Devised an acquisition strategy for digibank that attracted 600,000 new clients within 18 months, constructed revenue and cost-saving projects generating $0.5 million in net income during the first year, and led product development efforts that resulted in over 80 in-app capabilities within two years.

Initiated a new credit process that generated an additional $2 million in revenue during its first year and managed enhancements to mobile and internet banking, achieving a customer satisfaction rating of 4.5 out of 5.

Launched the Branch Performance Review (BPR) Project, leading to a 12% sales increase within three months, and introduced a new segment for Emerging Affluent Customers, successfully adding 25,000 new clients