Over 25 years of experience in various aspects of Collection and Recovery Operations, Process Management, Retail loan business focusing on credit cards and personal loans, and Quality Management.Experience includes formulating effective debt collection mechanisms, monitoring and controlling delinquency and credit loss, making modifications for improvising quality and service standards, managing risks, managing & leading teams for running successful process operations, aligning processes with the client guidelines, managing customer relationships, developing procedures and service standards for business excellence, and meeting targets consistently by ensuring efficiency in operations.Balanced focus across people and processes, excellent interpersonal, organizational and communication skills, and proven abilities in team building, team management, and cross utilization of resources within sub processes.Specialties: •Collection and Recovery Operations•Process Management•Quality Management •Risk Management•Customer Relationship Management•Team Building and Team Management