I am highly experienced with over 12 years in credit, proven track record in debt recoveries, credit risk management, and portfolio optimization. Skilled in credit analysis, financial modelling and team leadership. Proven ability to drive business growth, improve credit quality and reduce delinquency.. Managed large portfolios of consumer and commercial loans, achieving significant reductions in delinquencies and charge-offs . Developed and implemented effective credit risk management strategies, resulting in improved credit quality and reduced losses. Led cross functional teams to achieve business objectives, including debt recovery and portfolio growth. Developed and implemented effective debt recovery strategies, resulting in improved recovery rates and reduced cost