Operation Exective-Debt Management
barclays
Total des années d'expérience :18 years, 3 Mois
Collection Executive, January 2010 till September 2011.
• Advise the delinquent personal loan customers to regularize the payments.
• Identify the reason for nonpayment and providing the feasible solution to regularize the payment.
• Providing customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments. Responsible for monitoring and maintaining assigned accounts- Customer calls, account adjustments, reconciliations and processing credit memos.
• Identifying accounts and companies that need special attention for future lending.
• Receiving inbound calls and giving professional customer service.
• Internal and External customer interface.
• Collecting the payment from the delinquent customers using various tools like telephonic, fax, emails, sms, visiting the company and direct meeting with the customers.
Operation Executive, Debt Management- September 2011 -Present
• Monitoring, evaluating and timely reporting to the management levels systematically in order to ensure that all the collection activities are performed in accordance with current policies.
• Responsible for reviewing, evaluating and approving to reschedule the retail credit products.
• Review & analyze the credit data and financial statements to determine the degree of risk
involved in extending the repayment period.
• Evaluate customer records and recommend payment plans based on earnings,
savings data, payment history and purchase activity.
• Collecting payments from SME customers using tools like telephonic, email, fax, field visits and issuing legal letter.
• Making ageing report.
• Manage and coordinate the end to end activities of legal proceedings.
• Process credit card and loan closure based on final settlement & issuing clearance letter.
• Funds transfer on card to card and account to card.
• Reconcile the agency invoices with the agency collection report. Process insurance claims for deceased and ILOE cases. Liaise with insurance provider to receive the claims on time.
Handled credit card delinquent customers and collecting payments.
Responsible for initiating the contact with customers having deferment in payment. Providing customers with competent, timely and error free service and maintaining healthy relationship with existing customers.
Reconcile customer disputes as they pertain to payment of outstanding balances that are due.
To maintain the higher money collection to reduce backflows and meet flow rate targets.
Involves after sales service advising the customer to use the card judiciously.
To ensure that applying the appropriate block on the card.
To ensure that timely escalation of Fraud customer and Skip Customer to the higher management for further follow up.
Training and motivating the branch staffs towards achieving the target.
Had achieved the set targets in the span given; been completely responsible for the over achievement of 10 millions rupees of premium collected.
Tracking the customer records and maintaining the customer portfolio.
Maintain a professional rapport with customer and sourcing the regular business.
Managed sales executives to sell ULIPS and mutual funds.
Coordinating with Branch RM's to sell ULIPS to high networth individuals.
Project done in Financial performance of a private limited company,business engaged in polimer industry. Tools handled for findings & solution- Financial ratios, cash flow analysis and working capital management.