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Hiroshi Nogawa is an experienced professional in the financial services sector, currently serving as the Japan Business Lead at Apple Financial Services. Previous roles include positions as a Senior Analyst in both Enterprise Route to Market and Demand Forecasting and Analysis within Apple's finance department. Prior to joining Apple, Hiroshi held various managerial positions at Volkswagen Financial Services, including General Manager for Financial Controlling and Treasury, as well as Risk Management. Additionally, experience at Dow as a Credit Manager and at Tokai Bank as a Credit Analyst contributed to a solid foundation in finance and credit analysis. Hiroshi Nogawa holds a Bachelor's degree in Business Administration and Management from Yokohama City University and completed further studies at Bond University.