Joel Pham, CFA, is a Senior Manager at EY specializing in FSO Business Consulting and Credit Management. Previously, they have held roles at Deutsche Bank including Project Management Office and Business Manager within Credit Risk Management, focusing on process efficiency and financial analysis. Joel's extensive experience in credit-related consulting emphasizes digital transformation and the optimization of processes through technology. They earned a Bachelor of Arts in Business Administration from FOM Hochschule für Oekonomie & Management and completed an apprenticeship in banking at Deutsche Bank.
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