Banking executive with over 33 years of experience in Retail Banking, Wealth Management, Corporate Finance, and Innovation. Proven track record of developing and executing retail strategies, leading large teams, and driving transformational change in banking operations. Having held every role across the retail banking hierarchy - from Relationship Manager to Senior Leader — brings a comprehensive understanding of the industry. Areas of expertise include Branch Network Management, ESG Integration in Digital Transformation, Small and Medium Business Lending, Agri-banking and the Integration of Innovation in Banking Transformation.