Jose Antonio Miguel Baynosa

Jose Antonio Miguel Baynosa is a seasoned finance professional with extensive experience in credit management and customer support. Currently serving as the Manager of Customer Arrears and Support at Heartland Bank LTD since October 2024, Baynosa previously held key roles at UDC Finance Limited, where responsibilities included Product Manager and Collections Manager from August 2013 to October 2024. Prior positions include National Credit Manager at Remondis New Zealand Limited, Credit Controller at Minter Ellison Rudd Watts, and Credit Manager for New Zealand at Pacific Brands. Baynosa's expertise further encompasses a role as National Credit Manager at OCS Group UK and Senior Credit Risk Officer at Victoria Teachers Mutual Bank. In the early career stage, Baynosa contributed as Collections Team Manager at Baycorp NZ.