With over 16 years of dedicated experience in the card payment and core banking domains, I am a seasoned professional specializing in deposit, lending applications, and Agile Transformation projects. Throughout my career, I have honed my expertise in various facets of the financial industry, particularly excelling in UK lending and deposit operations.My proficiency in Agile methodology is complemented by a strong track record of effectively managing the product lifecycle. I possess the skills necessary to drive product roadmap development and lifecycle management, overseeing every stage from business requirement design to final application delivery and artifact production.My organizational prowess, coupled with adept soft skills, enables me to provide robust support while effectively negotiating with stakeholders. Additionally, I bring a sound understanding of the card payment lifecycle, including authorization, clearing (both batch and real-time), and settlement processes, facilitated through ISO8583, ISO20022, and ATICA format messages.I am deeply passionate about leveraging my expertise to drive innovation and deliver impactful solutions in the ever-evolving landscape of financial services.