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Mr. Rozario, Managing Director.  He is the current Vice-Chairman and Fellow Member of the Hong Kong Credit and Collection Management Association, Master Credit Executive of ACA International (formerly known as Society of Certified Credit and Collection Professionals in USA), Member of Creditors International in USA, CEO of Ader Asset Management Ltd., Principal of Alpha & Leader Law Firm in China and Advisor to Creditguru Inc. in Toronto, Canada. He has over eighteen years of experience in the area of credit management, receivable management, debt recovery and credit consulting.  He graduated from a university in Canada with a degree in Bachelor of Commerce (Hons).  Before joining the company in 1998, Mr. Rozario was the head of strategic planning of a local public listed company. He started off his career with one of the largest credit reporting companies in the world and had gradually taken major responsibilities in the receivable management division of its Hong Kong and Canada offices.  He had involved in credit operations review, credit analysis, consulting and training projects for various clients.  His expertise lies in consumer credit as well as commercial credit.  He had co-authored two publications on credit and collection management, "The Essential Guide of Credit and Collection Management in Hong Kong, Singapore and Malaysia" first and second edition.  He had performed as speaker on credit related topics for various chambers of commerce, industry associations and universities.

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