Dynamic and results-oriented Collections professional with 18+ years of experience spanning Banking, NBFC, and Telecom sectors across diverse geographies in North India. Currently a Regional Collections Manager with expertise in Credit, Collections, and Support functions. Proven ability to build teams and processes from ground zero. Skilled in analytics-driven strategy development, operational efficiency, large team leadership, vendor management, and recovery execution. Strong in people management, strategic planning, and optimizing collections to improve cash flow and portfolio quality.