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Payal Patel (Desai) possesses extensive experience in credit risk management and financial governance, currently serving as Credit Governance and MIS Lead at Cross River and previously as Director of Credit Risk Management. In addition to these roles, Payal is a Board Member at The Salvation Army and has held key positions such as Chief Financial Officer and Chief Human Resource Officer at ESMSYS LLC. Payal has a background in analytics and risk management from GE Capital, where positions included Assistant Vice President and Risk Manager. Earlier career highlights include a role as Project Leader/Developer/Senior Programmer Analyst at Prudential Securities. Payal holds an MBA in Finance from NYU Stern School of Business and has furthered education at AGSM @ UNSW Business School.