Experience

New Smart UAE

• United Arab Emirates
• Business Supplies & Equipment
• 1 - 100 Employee

• Credit Controller

  • Oct 2020 - Present

   Review & evaluate customer credit applications in line with the company’s credit policy.  Ensuring the proper collection of pre¬-disbursement documents as per checklist, verifying credit history, evaluating clients' financial information, and calculating risk ratios (Product or Services, Geography, Transaction Etc.)  Submission of statements of accounts to clients & regular follow-up with clients on outstanding invoices by email, phone calls or direct meetings  Effectively dealing with customer queries, performing daily cash management duties, including the recording of bank deposits, updating and distributing cash receipt logs  Maintain accounts receivable records to ensure aging is up to date, credits and collections are applied,  Effectively dealing with customer accounts queries/complaints related to invoices and payments.  Preparation & submission of default letters & legal notices to delinquent customers  Referring accounts to peruse legal case, submission of required documents & constantly follow up with legal team until the payment gets collected.  Ensure all invoices, sales orders are accurately billed as per the PO values, payment terms & timely uploading of invoices through supplier portals.  Addressing customer account queries /complaints related to billing or payments.  To ensure all the payments received are properly applied & highlight any incorrect allocation to finance.  Manage the blocking and releasing of orders with credit issues or risks  Maintain records of follow-up to ensure debts are collected on time or paid within the payment terms agreed,  Communicate constantly with Credit Manager and Commercial counterparts to inform them of customer credit issues and answer internal requests  Addressing monthly review meetings with higher management, reporting & analyzing the performance of existing clients and their credit Show less



Noor Bank

• United Arab Emirates
• Banking
• 700 & Above Employee

• Senior Collection Officer

  • Jun 2019 - Aug 2022

   Collection calls and/or correspondence in a fast-paced goal-oriented collections department  Providing customer service regarding collection issues, process, and review account adjustments, resolve client discrepancies and short payments. Responsible for monitoring and maintaining assigned accounts- Customer calls, account adjustments & small balance write off.  Email & SMS correspondence to customers to encourage payment of delinquent accounts  Weekly and monthly reporting to direct supervisor  Participate in team planning meetings  Reporting on and analyzing the performance of existing clients and their credit  Achieve and surpass daily and monthly queue goals. Show less



Citi Bank N. A.

• United Arab Emirates

• Senior Collection Executive (Loans & Credit Cards)

  • Nov 2015 - Nov 2018

   Effectively manage a high volume of predictive dialer calls.  Review assigned accounts performance regularly, liaison and follow up with delinquent customers.  Managing a portfolio of 250 – 300 and accountable for reducing delinquency for assigned accounts.  Making outbound collection calls in a professional manner while keeping and improving customer relations.  Mail correspondence to customers to encourage payment of delinquent accounts  Reconcile customer dispute as they pertain to payment of outstanding balances that are due  Coordinate with operations to resolve the operational delinquency and with the customer service team or delinquency which has raise due to the customer service issue.  Preparing and maintaining MIS, RF and Monthly Comparison reports for the team and higher management.  Refer accounts for visitation on a case by case basis to establish contact, to accelerate/ intensify follow-up and to follow up on the promise to pay or broken promise.  Addressing the collections issues and servicing the customers with effective tools such as Rescheduling, Rewrite, Re-aging, and Settlements.  Achieve and surpass daily and monthly queue goals. Show less



Derby Debt Collecton - Banking

• United Arab Emirates

• Collection Officer

  • Nov 2013 - Sep 2015

   Responsible for the collection of debts (written off accounts >Credit Cards, Business Loans & Personal Loans of Mashreq Bank) prior to legal recovery proceedings, negotiating payments/payment arrangements.  Managing a portfolio size of approximately 40 Million.  Undertake regular and frequent calls, field visits, follow-ups to implement remedial strategies and action plans agreed with Team Leader.  Create a list of people who have not made payments and Organize list according to the severity of delinquency.  Skip Traced on accounts /customers that couldn't be located.  Performed telephone contact with customers according to guidelines and standards to ensure payment  Negotiating payments while continuing to build a positive relationship with customers  Record debtor and arrears history in order to ensure a complete file as a sound basis for decision making during collection/recovery  Preparation of approval requests to management for negotiated settlements and follow up until the account is fully settled.  Record new commitment to repay debt. & purge records if the debt has been satisfied.  Follow federal and state laws dealing with debt collection. Show less



FedEx

• United States
• Freight and Package Transportation
• 700 & Above Employee

• Credit Controller

  • Jan 2012 - Jan 2013

   Managing credit control and debt management activities.  Verifying and Re-viewing business Agreements, Contracts and propose action.  Ensuring the proper collection of pre disbursement documents as per checklist, evaluating client’s financial information and calculating risk ratios  Perform credit checks and background history on potential customers, reviewing and managing Customer Credit Limits.  Obtain and maintain sufficient information to assess the creditworthiness for new and existing clients  Chasing outstanding debt periodically according to the procedure, Uses adequate and defined methods such as telephone, email, dunning letters, personal visits, etc, according to the company policy  Submitting Collection Report, Critical Debtors, Aging, Credit Note Analysis and Cash Forecast Report to Credit Manager timely or as and when requested  Allocation invoices and documentation of Invoices acknowledge copies & statement of outstanding & Letters  Posting accounting journal entries & maintaining related files. Tracking Credit Notes issuance and approvals.  Visit key accounts on a quarterly basis or as necessary in case of dispute resolution  Managed decisions on account cancellation/suspensions  Post cheques/payments to the city ledger on a daily basis. Follow up on any payments that are over or short of the invoiced amount.  Communicate constantly with Credit Manager and Commercial counterparts to inform them of customer credit issues and answer internal requests  Dealing with customer queries face-to-face, over the phone or via e-mail  Maintain transparency through the communication of customer queries to cross-functional departments, recording it on the system in a timely manner and monthly reconciliation of accounts.  Communicate and counsel credit department policy and procedures to internal parties Emphasize and manage a challenging workload whilst maintaining Quality and Customer Satisfaction. Show less



Tata Motors Finance

• Financial Services
• 700 & Above Employee

• Assistant Manager Collections

  • Apr 2008 - Dec 2011

   Managing the 1 to 4 bucket (30 to 120 DPD collections) with a portfolio size of approximate 35million with Agency having manpower strength of 12 people. Manages and leads collectors and collection teams by communicating goals, monitoring performance and providing individualized coaching. Leads by example and collects delinquent accounts by locating and notifying customers with delinquent accounts, establishing repayment schedules through contacts with customers by telephone, e-mails, in person, or by other means. Reviews work and monitor phone calls and field visits of the team members Effectively communicates corporate department objectives on a regular basis Handles escalated calls from the team members and will initiate outbound calls when needed Ensures that all collection staffs are operating in accordance with policies and procedures of the department as well as within the organization Prepare daily progress report from SAP towards achievements of individual and team targets. Chasing outstanding debts and working towards reducing the debtor days and aged debts. Monitoring Payment Process to ensure the collected amount is deposited in time by the agency & maintaining nil operational error. Set up repayment plans and getting approval for the same. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities.  Recruiting and training new channel partners and executives. Show less

• Business Development Manager

  • Jan 2005 - Mar 2008

   Develop a business plan and strategy that ensures attainment of sales goals. ‎ Maintain accurate records of all pricing, sales, and activity reports submitted by ‎sales managers. Accomplish sales objectives by implementing, ‎and evaluating advertising, merchandising, and trade promotion programs; ‎developing field sales action plans.‎ Maintain contact with clients in the market to ensure high levels of client ‎satisfaction and retention. Create and maintain healthy relationships with dealers and dealer executives. ‎Create and conduct proposal, presentations and RFP responses. ‎ Present new products and services and enhance existing relationships  Generating new business leads, effective interaction with customers, thereby winning their confidence.  Ensuring the proper collection of pre disbursement documents as per checklist, verifying the credit history of the customer through CIBIL and preparing proposals for approvals.  Provide timely feedback to senior management regarding performance. ‎ Show less