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Grace Gilligan is an experienced finance professional with over 20 years of expertise in leading and managing diverse credit portfolios, including roles as Head of Credit at Fexco Asset Finance and Non Executive Director at FEXCO CORPORATE PAYMENTS Ltd. Grace's background includes significant positions at Allied Irish Banks, where responsibilities encompassed debt restructuring, portfolio management, and new business origination across various financial sectors. Education includes a Diploma in Company Direction from the Institute of Directors, as well as multiple qualifications related to responsible finance, risk management, and credit. Grace has a strong focus on risk, lending, and quality assurance, contributing to policy development and board reporting.