Manage and supervise all collection operations within the region, ensuring that all branches perform efficiently. Develop and implement specialized strategies for recovering high-risk or significantly delinquent debt, minimizing financial losses. Lead, motivate, and train collection staff and negotiators under your supervision, setting clear objectives and providing feedback to improve performance. Analyze portfolio data to identify delinquency trends, assess specific risk situations, and propose action plans for credit recovery. Negotiation and reconciliation.