Seasoned Fintech Product Owner / Manager with 16+ years of experience delivering digital lending, payments, and EBA, CFPB, and FSMA financial solutions across the EU, UK, and US markets. Proven track record of launching consumer and enterprise lending apps, AI-driven credit scoring, and compliance-ready platforms that increased adoption, revenue, and customer satisfaction. Skilled at working with global financial regulators and global banks to ensure adherence to regional finance principles while accelerating digital transformation in lending and payments.