A dynamic Banking professional with over 20 Years experience in Digital, Product Management, Credit Risk, Collection Agent Management and Collections Operations.Currently working in Customer Digital Experience as a Digital Product Manager.Extensive Product Management experience in Digital, Home Loans, Deposits and Personal Loans with these roles responsible for managing the end to end customer experience, product profitability, account and FUM growth, product design and development including the Customer Value Proposition.Credit Risk experience managing credit costs to plan, increasing product acquisition to the banks risk appetite, together with incorporating the development and management of collection strategies, acquisition and credit policy management across Personal Loans, Transaction Banking, Consumer Credit Cards. Managed ANZ’s panel of collection agents. Executed ANZ’s first insolvency debt sales. Solid operational management of up to 30 FTE, developing people, process improvement and managing an operating budget.An enthusiastic worker with exceptional communication, negotiation, relationship management skills and stakeholder management.