Ramesh Goud has over 12 years of experience in sales, distribution, collections, risk management, and fraud control. He is currently seeking a new role that allows independent work and passion for performance. His experience includes managing credit card collections and recoveries at Kotak Mahindra Bank, developing collection strategies and managing field collectors at CitiFinancial, and streamlining collection processes and managing delinquency rates at ICICI Bank. He has a strong skill set in areas like settlement risk management, debt collection, bankruptcy, fraud prevention, and developing sales and marketing strategies.