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Andreas Margaronis has extensive experience in managing non-performing loans, currently serving as NPL Manager at Cepal Hellas Financial Services S.A. since December 2020, where responsibilities include monitoring loan performance, client relationship management, and initiating legal actions when necessary. Prior to this role, Andreas spent a decade at Alpha Bank, holding positions as Relationship Manager in both the Permanent Arrears Wholesale Banking Division and various Business Centers, focusing on client communications, financial analysis, and credit risk evaluation. Earlier career experience includes roles as Account Manager and Credit Controller at ABC FACTORS S.A. Andreas holds a Master of Science in Marketing from the University of Surrey and a Bachelor of Business Administration from the Technological Education Institute of Piraeus.