Accomplished Senior Credit Risk Management professional with approximately 12.58 years of experience within the banking sector in Addis Ababa. Proven expertise in designing and evaluating internal risk grading frameworks, navigating complex regulatory environments, and optimizing credit portfolios. Highly innovative and forward-thinking strategist combining a strong foundation in credit risk with software engineering concepts to drive financial technology systems and application development. Accomplished in end-to-end product architecture, including features, technology stack selection, and deployment strategies for financial super applications.