• Experienced 15 years professional with expertise in Retail Risks, Collections, CRM, Sales, Underwriting, and Anti Fraud • Result-oriented clear thinker capable of finding out-of-the-box solutions • Proven ability to attract talents and build energetic teams, which deliver results. Managerial experience over 12 years • Strong interpersonal and influencing skills, pragmatic, straightforward and emotionally intelligent communication at all levels of organization