I have amassed 27 years SOLID credit experience across a HUGE range of industries. I have worked in both consumer and corporate credit, lending and collections. I have been responsible for the development of credit scorecards and managed the entire credit process (cradle to grave), application, early, late, pre legal, rehabilitation and legal throughout my life. I believe that I can bring the "best business practice to your organisation alleviating your losses during these turbulent Financial Times. I look forward to exploring the opportunity that we may be able to forge a mutually beneficial relationship