Proficient executive management expert with over 22 years of experience leading sustained organizational growth through the development of successful business ecosystems in the areas of retail asset finance, credit and collections management, business models, recovery strategies, policies, and operational frameworks with the goal of leveraging his domain expertise. High level of understanding of business drivers and the market environment, including the regulatory framework, banking practices, market forces, and competition across multiple geographies affecting the core business of the retail asset finance sectorCORE COMPETENCIES• Managing Retail Asset Finance and Collections with a Focus on Profit and Loss using a policy and operational framework based on functional prudence.• Comprehensive experience in Identifying and developing business opportunities by providing the necessary marketing push, as well as establishing and cultivating a large branch network to maximize market reach.• Capable of acquiring and retaining a respectable market share by analysing market conditions and reorienting business strategy with an appropriate risk-reward ratio.• Proficient in establishing operations in rural and semi-urban sectors and transforming those locations into profitable zones.• Expertise in conceptualizing and implementing recovery strategies • Proven ability to build and lead collections and compliance teams, as well as plan and oversee activities meant to drive portfolio growth, improve workflow efficiency, uphold ethical standards, and ensure enterprise-wide regulatory compliance.• A result-oriented leader with proven expertise to generate results by forming high-performing, successful teams across functional and business sectors. Success is built on hard work, training, good strategic planning, and good interpersonal skills