6+ years of experience in managing both secured & unsecured lending portfolio. 3 years of experience managing a team. I am currently working at Capital One in their Auto Finance division. Previously I was at Barclays (Business Loans & Overdrafts) managing collections and recoveries. I was also responsible for setting up collections analytics CoE for Business Banking. I worked at American Express for 5 years managing International Consumer Card portfolio. Led a team of 3 rockstars creating novel strategies to support acquisition growth, manage high-risk customers, digital transformation in early collections, and pandemic relief program for COVID impacted customers.