I possess 12+Years of experience in managing Credit Risk for Retail and cards business, Risk mitigation ,Data analysis ,Contact center ,Compliance ,collection optimization and audits. -My professional journey endowed me with very crucial competencies in stratrgizing policies to reduce NPA and credit loss through preventive and remedial techniques in both secured and Unsecured loan. -My expertise in driving collections ,initiating process improvements to simplify and improve productivity ,establishing robust risk management framework to Anabel organization to thrive in competitive environment .-I am an efficient stategic leader and team architect,driving continuous performance improvements. I believe in the culture of teamwork,common mission and best-in-class service ,thus delivering impeccable service to business Clint's. -Hands -on experience in managing big areas of chhatisgarh ,Bihar and jharkhand .-Intraction with legal counsel and law enforcing agencies for filling U/s138NI,SARFAESI ACT(s. 13(2) (4),Arbitration Act interim relief order U/s.17 or after final Award.