Over two decades of senior management expertise in retail banking, managing full-spectrum collections and recovery portfolios with the objective of enhancing net profitability while reducing credit losses. Well-versed in implementing innovative strategies, as well as a proven acumen for applying cost reducing initiatives. Pursuing my MSc in Accounting and Finance and actively seeking an opportunity to apply my leadership, communication, and analytical thinking skills in an integral position with a reputable bank to manage recoveries incorporating strategy and risk management.