Customer service Executive / Collections Officer
Dubai Bank
Total years of experience :22 years, 0 Months
Job Profile:
Handling vast portfolio of mortgage Accounts (Housing and Personal Finance)
Arranging meetings with customer and negotiate with them to settle the liabilities with profit margin / analyzing creditability of the default customer and reschedule the loan to make them current and regular payer (Settlements)
Handling external agency (debit collectors) for the skip accounts and reconciling the account on monthly basis
Responsible for blocking/unblocking the cm salary account or amount if needed, in case of customer left the employment
Investigating the skip customer and establishing contact by skip tracing process filing police case against
Non-contactable and refused to pay customers
Initiating field visit for all skip customer to office and residence
Providing market information and other information which may help to reduce the risk
Achieving business target of flow and resolution target month on month
Handling return card statements and investigating the reason for the return mail as its an early wakeup call to minimize skip and risk.
Accomplishments in DUBAI BANK psjc
• Runner up for Best staff of the month march 2012
• Runner up for Best staff of the month may 2012
• Received appreciation letter from Chief Risk Officer for working on EID holidays
• Initiated and introduced Return Card Statement Process which has been approved and implemented now its ongoing process in Dubai Bank collections department
• Completed Dubai Bank certified course on Anti Money laundering with 90% scored on 6th Oct 2010
• Completed Dubai Bank certified course on Business Continuity with 100% scored on 5th Jan 2010
• Completed Dubai Bank certified course on Information Security with 90% scored 30th Nov 2010
Supervised and managed portfolios for large institutions receivable Accounts ( Banks and commercial intuitions)
Hardcore negotiation with customer to settle down the account
Conference with clients and debtors or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts and determine appropriate strategy and to Generate payments from debtors.
Notify credit departments, order merchandise repossession or service disconnection, and turn over account records to attorneys when debtors fail to respond to collection attempts.
Advise clients/debtors of necessary actions and strategies for debt repayment, and meeting the debtors in need of settlements
Accomplishments in Tahseel
Received appreciation Month on Month from Tahseel Management
Individually handling All UK Commercial Client with management support
Resposible for generating number of lead ( new clients for investment and trading
maintaining good relationship between both ends for smooth business flow
Planning and achieving branch business targets in the area of number of agents, productivity, new premium, persistence of business implementing sales strategy in consultation with Regional Manager. Set, plan, communicate and monitor the achievement of sales targets
Driving local sales promotion effort & to promote a customercentric culture among both staff and field force.
Assisting in launching new products & in conducting sales promotional events, workshops and training sessions.
Accomplishments in Lakshmi Associates:
Selected for Performance Management Training team.
Received Appreciation letters from the customer (investor) for the excellent and timely Service.;
responsible for incresing the demand and revenue of the branch to achive the target
Enhancing customer centricity
Handling the calls for the SBI card customers and cross selling
Driving and Monitoring Cross selling (selling insurance, Personal loan, Installment booking etc..)
Enhancing Service to Sales Promotions (SBI Card)
Process monitoring and process Co-ordination
Job Profile:
Handled all in bound and out bound calls and broad band customers
Generating MIS, Reports VOC (Voice of the Customer) capturing,
Pro-Active corporate services done, Qualified in the Office Administration Program
Pursuing first year