SENIOR COLLECTIONS & RECOVERIES OFFICER
First Abu Dhabi Bank (NBAD)
Total years of experience :19 years, 2 Months
Handling local and overseas collections and recoveries agencies
Excellent knowledge in Credit-Card & personal loan Collections & recoveries
Managing Most important, NCL based Bkt 6, 5 & 4 Credit card collection with the help of Domestic and overseas agencies and meeting individual and team targets in terms of resolution.
Effectively managed delinquent customers in Consumer Banking Portfolio - Bucket 6 in order to reduce flows into Write off & optimize service quality.
Retrieving security cheques of delinquent customers in order to file a case (Criminal / Civil) to ensure recovery of dues.
Managing field collections and recoveries Team.
Allocation of Cases/Accounts of delinquent customers
Managing teams Daily MI reports
Conducting training and Up-Skilling of members of the team as deemed necessary
Handling customer disputes.
Preparing SPP’s for discounted settlements and forwarding them to the line manager for approval.
Following up on Suspense account payments made by team members.
Offering customer resolutions.
Managing team queries on a daily basis and being the main point of contact between line manager and team members.
Making sure provision and recovery targets were being met and constant efforts were made to over achieve previous. Set targets.
Locating Skip customers using various tools available with the help of the Skip tracking agency.
a. Identified and developed measurement standards for the improvement of performance operational effectiveness.
b. Planned, and implemented Team goals and objectives.
c. Set personal and team targets to achieve improved results.
d. Reviewed performance of the team, and identified development needs to maximize performance.
e. Ensured the training and mentoring of collection officers and evaluate staff performance.
f. Recovering payments form the customer.
g. Advice delinquent clients on the account maintenance.
h. Negotiations and restructuring loan re-payments.
i. Start repossession on the old due accounts where delinquent hasn’t been determined.
j. Successfully met monthly performance standards.
k. Negotiated successful payment arrangements resulting in balance in full or settlements.
l. Identifying accounts required legal action, coordinating with the legal team.
Responsible for dealing Accounts (Loans, Auto Loan, Cards and over draft)
Responsible for dealing (Recovery, Write Off Corporate Accounts)
Getting Mach Invoices certified by Billing Centers, Delivery certified invoices to Circles
Follow up with Circles for payment
Responsible for monitoring and rehabilitation of delinquent and over-limit accounts and to minimize delinquent accounts and contain flow through to the next cycle.
Responsible to deal delinquent customers for CMU Dept promotional plans (Payment Plans, LRD Plan and Settlement Plan)
Resourcefulness in securing promises to pay.
Review and recommend enhancement to improve current work flow/processes to minimize manual input to increase operational efficiency.
To create a professional and friendly environment providing fast, flexible and efficient service to our customers.
Responsible for monitoring individual effectiveness and performance including the performance of trainees assigned.
Responsible for handling the hard core bucket, cash handling, police cases endorsement through legal department, restructure and settlements
Responsible for Managing legal issues related to employees
Application of Health insurance, Renewal of Visas, Application for new visas at Department of Immigration.
Official Representative at Traffic and License department for Vehicle Registrations, Vehicle Insurance, Payment of Vehicle Fines, Insurance Claiming etc.
Managing maintenance contracts for Vehicle from respective Agents.
2. American High School Diploma - Stanford Training Center - Abu Dhabi. 3. JUNIOR HIGH SCHOOL: Indian Islahi Islamic School - Abu Dhabi
CBSE Board 10th 2002-2003 4. COMPUTERS: Windows 95, 98, XP and 7 Operating Systems, • MS OFFICE (Word, EXCEL, Power Point), • Hardware, • Web Designing (HTML and Front Page) • PROGRAMMING LANGUAGES (SQL, VISUAL BASIC, ORACLE) • Good Typing Speed Certified By Areef Computer Institute.