Results-driven Credit & Collections Specialist with over a decade of experience in managing end-to-end collections, credit risk, and accounts receivable processes. Demonstrates deep expertise in debt recovery, dispute resolution, and stakeholder communication, built through progressive leadership roles in global firms including Reed Elsevier, IBM, and Accenture. Adept in Oracle Fusion, SAP ERP, and Excel-based reporting with a proven track record of improving collection efficiency and reducing outstanding receivables. Recognized for operational excellence, process innovation, and leadership, including key roles in system transitions and automation initiatives. A graduate of the Reed Elsevier Leadership Academy, bringing both strategic insight and hands-on capability to collections management.