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Andrew Smith is the Chief Executive Officer and Managing Director at Credit Clear Limited, a company focused on revolutionizing the way people manage their repayments. Andrew is also the Chief Executive Officer and Founder at ARMA Group, providing debt recovery services and emphasizing customer service, recovery rates, and positive collection techniques. With experience in various companies such as Force Legal Pty Ltd and Dun & Bradstreet Australia, Andrew has a strong background in sales management and business development. Andrew holds a Bachelor of Business in Economics and Management from the University of Newcastle.