With over 27 years’ experience in Collections I am a Banking and Mercantile (DCA) qualified professional managing portfolios in distress across all products (Mortgages, Credit Cards, Charge Cards, Personal Loans, BNPL, SAC & MAC, Equipment Finance, Fines, tolls etc) encompassing all industries including Banking & Finance, Insurance, Telco, Utility and Government (Federal, State and Local) from pre delinquent through to charge off, collections, recoveries and Asset Realisation. I am a Hardship& Vulnerable Customer expert with a personal passion to ensure that all available resources are used to provide assistance in a respectful and sustainable way. I am a Self-motivated individual who seeks to deliver the best financial outcomes by internally adding value by leading and developing people and externally by growing and maintaining genuine relationships. I take seriously the need for continual innovation and process improvement. I am a proven competent executive with extensive General Management and Collections (DCA and Finance Direct) experience in managing up to several hundred employees at once across Australia, New Zealand and Philippines whilst being based in Sydney and Brisbane. An extremely compliant and visionary leader with a no excuse attitude when it comes to Strategy Execution, P&L performance and Key Objective delivery.