With a distinguished 25-year career in banking and financial services which has included leading roles at Bank of Scotland, RBS, and AIB (NI), Azem Hanif joined Upstream ABL following almost 17 years at Danske Bank in Northern Ireland. Formerly Senior Manager in Credit Risk Management at Danske Bank UK, Azem led a high-performing credit team in assessing complex credit applications and managing portfolio risk and has been recognised for consistently demonstrating a strategic approach to relationship management, credit decisioning, and risk mitigation while delivering strong commercial outcomes. At Upstream ABL, Azem leads credit and risk operations supporting the acquisition and relationship management teams to drive risk astute customer growth through structured asset-based lending and strategic market expansion across the UK and Ireland.