As the National Collection Manager at Standard Chartered, my mission has been to lead our collections and recoveries for credit card and personal loans, ensuring robust strategies align with our rigorous code of conduct. Our team has consistently navigated the complexities of non-performing assets, transforming challenges into successful recovery operations.With a strategic approach to collections management, the team under my leadership has excelled in streamlining processes and fostering a culture of excellence. We've built a framework that not only improves our collection operations but also empowers our team members to contribute to the organization's sustainable growth through strong communication and negotiation skills.