Dedicated finance professional with a PhD in Business Economics and over 10 years of experience in financial management, analysis, and strategic planning. Published researcher specializing in the Economic Impact of Credit Guarantees. Proficient in utilizing advanced quantitative methods and financial modeling to drive strategic business decisions. Demonstrated success in optimizing financial performance to achieve organizational goals. Skilled in BO & Data warehouse, MS Office, Access, SPSS, and Eviews, with a strong commitment to continuous learning and professional growth.