Results-oriented collections and risk management leader with 7+ years of experience in the digital lending ecosystem, specializing in portfolio optimization, credit risk mitigation, and regulatory compliance for NBFCs. Skilled in leveraging data analytics, AI-driven credit scoring, and digital-first collections strategies to maximize recovery rates and minimize NPAs. Adept at leading high-performing teams, managing high-risk loan portfolios, and driving operational excellence through technology-driven solutions. Seeking a strategic leadership role to enhance portfolio health, optimize recovery frameworks, and strengthen risk management in a dynamic fintech or digital lending organization.