o Spearheaded Fintech Collections operation through successfully implemented and refined strategies and consistency maintained 90% portfolio debtor controls ensuring timely and efficient collections.o Established strategic partnerships with key stakeholders, expanding the capacities and efficiencies for smart collections and recovery initiatives, resulting an overall average collections resolution at 65% - 70%.o Applied data-driven insights to make strategic decision making, driving operational excellence and cost optimization across the department.o Managed, coached and mentored collections teams towards thriving achievements while supporting them to improve their skills and talents.o Actively contributed in developing new Fintech products and features, collaborating with cross functional teams to design and test products, ensuring timely and efficient launches.o Managed all customer complaints and inquiries related to collections, delivering tailored solutions to address customer concerns and resolve issues in a timely and professional manner.

• Weekly credit dashboard maintaining, presentations & Analyses and reports for management decision making as and when required.• Managing monthly debtor ageing analysis and NPL calculations & individually allocated customer base.• Leading and managing the Products wise Credit and Recoveries Unit & Coordinate with relevant stakeholders (Group Recovery / Outsource Agencies / Legal teams) on action initiation. • Initiate projects, plans and actions within the team & vendor to minimize bad debts and improve collection of device financing business. • Involve in policy reviews, process revamps to control New Credit in Financing business for new projects/ products / initiatives / beta Testing.• Involve in decision making process of pre-approved new customer base selection and credit granting process reviews.

• Weekly credit dashboard maintaining, presentations & Analyses and reports for management decision making as and when required.• Managing monthly debtor ageing analysis and NPL calculations & individually allocated customer base.• Leading and managing the Old & new portfolio Bases of Device Finance Credit Unit & Coordinate with relevant stakeholders (Group Recovery / Outsource Agencies / Legal teams) on action initiation. • Initiate projects, plans and actions within the team & vendor to minimize bad debts and improve collection of device financing business. • Involve in policy reviews, process revamps to control New Credit in Financing business for new projects/ products / initiatives / beta Testing.• Involve in decision making process of pre-approved new customer base selection and credit granting process reviews.

Centralized Credit Unit - Device Finance • Leading and managing the collection dashboard of Device Finance Credit Unit & Coordinate with relevant stakeholders (Group Recovery / Outsource Agencies / Legal teams) on action initiation. • Weekly credit dashboard maintaining, presentations & Analyses and reports for management decision making as and when required.• Initiate projects, plans and actions to minimize bad debts and improve collection of device financing business.• Conducting periodic audits on policies, processes and necessary escalations and initiation of preventive actions.• Managing customer complaints / inquiries related to assigned customer base.