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Margaret Szczepaniak is an experienced professional in sales and credit management, currently working at Windy Scandinavia AB since October 2021. Prior to this, Margaret held various positions at Wilhelmsen Group from July 2015 to December 2020, including Credit Manager, Team Leader, and Credit Controller, where responsibilities encompassed managing teams, developing customer relationships, and ensuring effective debt collection strategies. Earlier in the career, Margaret worked as an Analyst in the credit department at PKO Bank Polski from July 2006 to June 2015, focusing on restructuring and debt collection. Margaret holds a Bachelor's degree in Banking and Financial Support Services from Uniwersytet Szczeciński.