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812 years of experience in retail collections, with at least 35 years in a regional leadership role.Experience managing secured and/or unsecured retail loan portfolios.Proven track record of achieving collection targets and leading large, geographically dispersed teams. Skills & Competencies Strong leadership and people management skills.Expertise in retail collections and delinquency management.Analytical and data-driven decision-making abilities.Excellent negotiation and conflict resolution skills.Strong communication and stakeholder management capabilities.Proficiency in collection systems, MIS reporting, and Microsoft Excel/Power BI.Sound understanding of regulatory and compliance requirements. Preferred Industry Experience BankingNBFCsHousing FinanceFinTechConsumer Lending Behavioral Competencies Customer-centric mindsetResult orientationStrategic thinkingDecision-making under pressureProblem-solvingCollaboration and teamworkHigh ethical standards and integrity .