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Nicholas R. is an experienced credit risk and collections professional with a career spanning over two decades. Currently serving as a Credit Risk Specialist at Harmoney since May 2023, Nicholas has previously held positions such as Senior Credit Controller at Zip Co and humm group, and has accumulated extensive knowledge in credit management through roles at SocietyOne, REMONDIS Australia Pty Ltd, and Pepper Financial Services Group. Early career experiences include positions as a Credit Controller at LEASECHOICE PTY LTD and Optus, as well as a Restaurant Manager at Pizza Hut. Nicholas holds a degree in Hospitality Operations from East Sydney TAFE and an HSC certificate from Enmore High School. Frequent evaluations of career goals have driven several transitions to seek better employment opportunities.