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A resulted-oriented professional with 24+ years of proven experience in managing entire gamut of operations entailing to Product/Portfolio (Credit Cards, Unsecured Lending, & Secured Lending) Operations Management, Collections/Risk Management, Debt Management, Training, Quality Management, Sales, Business Development, Client Relationship Management, and Team Management. Track record of handling activities related to Mortgages, Vehicle Loans, Gold Loans, M-SME, SME, and Personal Loans. Adept at planning, implementing, and managing an in-house field team, tele-calling process, outsourced channels, and operations backend team. Articulate communicator with effective leadership, outstanding analytical abilities, problem-solving, and decision-making skills