Experience

Tamweel PJSC

• Financial Services
• 1 - 100 Employee

• Collections Officer

  • Jun 2007 - Present

  •Responsible for handling all Buckets - Retail and Commercial Delinquent contracts. •Responsible for filing, following up and releasing of Police Cases in co-ordination with the lawyers. •Handling External Recovery Agency allocation for all the skipped customers. •Analyzing Remedial Solutions on critical contracts in coordination with Credit Dept. •Initiating Foreclosure on properties after thorough assessment of cases. •Handling cases in Foreclosure stage and coordinating with Internal Legal Dept. in providing documentation support for various court requirements. •Development of in-house Collections Management System (CMS). •Maintaining monthly MIS for delinquency reporting purpose. Show less



RAKBANK

• United Arab Emirates
• Banking
• 700 & Above Employee

• Collections Officer

  • Dec 2005 - May 2007

  •Establishing contacts with delinquent customers in Bucket 4 and plus and ensuring monthly budgets are achieved. •Handling a total portfolio size of AED 1.1M. Contain delinquent RBG portfolios pertaining to Visa Cards in level 4 & above for all Dubai & N.E. region in line with set objectives •Carryout recovery functionalities from start-to-end, i.e. identification of risk, customer contact, negotiation, proposal for settlement, regularization, rescheduling & effective solutions to all accounts under a given portfolio. •Maximize recovery on delinquent portfolios by exercising strict day-to-day control over the recovery process adhering to the laid down policies & procedures of the bank. •To analyze customer's repayment problems and restructure repayment proposals to achieve assigned recovery targets. •Contact externally the different official authorities to ensure quick enforcement of decided action. •Provide high quality service to achieve customer satisfaction. •Recommend deferment & rescheduling of potential delinquent accounts within agreed guidelines. •Recommend initiation of travel ban, criminal & civil actions & continued follow up on these cases & also after write off in order to ensure favorable outcome & results •Periodic visit to the External Lawyers and Employers to establish/ build relationships to expedite enforcement of internal action/ court ruling etc. •Coordinating with Banks lawyers in filing Criminal Cases against intentional defaulters. •Coordinating with the under-writing/credit team for issues related to zeroisation of settled accounts. •Highlighting cases of suspected fraudulent transactions to the Territory Manager. •Analyzing the team portfolio for providing necessary inputs to enhance end-results. •Monitoring downgrading/upgrading recovery of classified accounts. •Maintaining MIS for trend analysis for effective planning in achieving team budget. Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Senior Collections Officer

  • Apr 2003 - Aug 2005

  •Reduction of Delinquency (Risk-90 & 90DPD) on account base of 500+ accounts. •Total value exceeding AED 1.1 million & giving a Resolution of 70% on the given allocation. •Individually met with lot of Delinquent Customers and provided Remedies. •Achieved the highest BSC (Balanced Score Card) percentage and was awarded the ‘Best-Performer of the Month Award’. •Chosen to train the newly recruited employees about the CACS (Computer Assisted Collection System) and various other products of the Bank coming under Unsecured Loans. •Worked in all the buckets except Charge-off bucket (150 DPD). •Calling on Risk 90 & 90DPD accounts from the given allocation. •Responsible for establishing contacts and meeting the delinquent customers. Coordinating with the Skip Tracing Team. •Responsible for Coordinating with Sales & Fraud Control Unit team. •Provide timely & effective solution for any kind of Dispute & Queries. •Providing Settlement & Remedy to potential defaulters by offering them the best option of repayment within the policies of the Bank. •Maintaining daily MIS on excel to plan work to be carried out in systematic manner. •Undertaking joint field visitations on critical accounts. •Sending & explaining MIS to Agency Supervisors of referral cases to be followed by their respective Field Executives for collection. •Ensuring timely and adequate follow-up by various Field Executives and taking feedbacks from Agency Supervisor for daily collection. •Providing support & solutions to the field executive’s query regarding the product & cases. •Reporting to the Agency Manager about the daily/weekly collection on accounts allocated to agency, which in turn helps in proper compilation of agency bills. Show less



Wipro Spectramind

• India

• Technical Support Associate

  • Feb 2002 - Dec 2002

  •Constant Improvement of Customer Satisfaction Levels •95%+ Customer Satisfaction Levels Achieved •Troubleshooting hardware failures for DELL customer. •Answering escalated calls, assessing customers support needs and handling through email and online chat and 800 - 900 Voice support. •Constant Improvement of Customer Satisfaction Levels •95%+ Customer Satisfaction Levels Achieved •Troubleshooting hardware failures for DELL customer. •Answering escalated calls, assessing customers support needs and handling through email and online chat and 800 - 900 Voice support.