Senior business development leader with over 20 years of experience across telecommunications, internet services, and consumer finance. Proven track record in expanding territories, growing subscriber and loan portfolios, and turning around underperforming branches. Skilled in geo-marketing, presales targeting, partner and merchant acquisition, and churn reduction. Experienced in leading cross-functional sales teams, optimizing branch operations, and aligning go-to-market execution with revenue, risk, and customer experience goals.