With more than two decades of experience in sales and marketing, Collection operations, Recovery operations, Branch administrations, MIS/Documentation, Credit solutions, Negotiation, Training and coaching team members, Record communication, Monitor and investigate account, Client servicing, Team management, Risk analysis A thorough professional with proactive attitude, capable of thinking out of the box solutions, generating new solutions and ideas. Examining and recommending improvement on the adequacy and effectiveness of organization's risk management processes. Lending and monitoring the performance of team members to ensure efficiency in operations and meeting targets. Process excellent interpersonal, communication and organizational skills with proven abilities in team management, customer relationship management and planning.