Experienced Debt Collection Manager with over a decade of expertise in the Banking and Finance sector, currently leading strategic collection initiatives at Reliance Asset Reconstruction Company. Proven track record in managing high-value NPA portfolios and driving productivity through effective team leadership and innovative collection strategies.At Reliance Asset Reconstruction Company, I provide strategic direction, deliver business objectives, and manage a high-performing collection team. I excel in performance analysis, setting expectations, and building robust processes for NPA portfolio management. I also recruit and manage recovery agencies, setting and achieving necessary targets while implementing fraud management systems.In my previous role as Sr. Collection Manager at Truboard Partner Pvt Ltd, I managed a 700 Cr NPA book and led call centers across multiple states. I built a strong in-house debt collection team, executed timely collection activities, and maintained positive customer relationships to minimize bad debt exposure.As Deputy Collection Manager at Kotak Mahindra Bank, I managed a 200 Cr ARC portfolio, supervised 16 collection agencies, and led a team of 90 debt collectors. I developed new collection strategies, mentored junior team members, and continuously sought ways to improve team performance.My journey began at Credit Sudhaar Services Pvt Ltd, where I led a team of 13 members, coordinated with bankers, and advised clients on achieving financial stability. My early experience as a Tele Caller at STERNON REAL ESTATE honed my skills in portfolio management and customer satisfaction.Core competencies include debt recovery, client acquisition, risk analysis, data interpretation, fraud procedures, team management, and delinquency management. Certified in Debt Recovery Agency operations and proficient in English, Konkani, Hindi, and Marathi.Committed to continuous improvement and excellence in debt collection and recovery, I bring a wealth of knowledge and a results-oriented approach to every challenge.