Seasoned Digital Transformation Leader and Certified Advanced Product Owner with 12 years of experience in banking and payments, driving software development, customer journey optimization, product innovation, and stakeholder management. Proven ability to define and execute product vision and roadmaps, translating customer needs into user-centric digital solutions through agile methodologies. Skilled at bridging business and technology to deliver measurable value, align stakeholders, and enable data-driven decision-making. Recognized for leading cross-functional teams that enhance customer journeys, streamline processes, and deliver products meeting both business objectives and regulatory standards.