+ that can be actioned by the management team.\newline{} Selected contributions:
+ \begin{itemize}%
+ \item Transitioned from vendor-delivered credit risk model to proprietary machine learning big data model;
+ \item Managed bad debt level on loan book down significantly;
+ \item Automated reporting suite for real-time business intelligence;
+ \item Transitioned company to become part of global listed group.
+\end{itemize}}