Debts recovery executive
Emirates islamic bank
Total years of experience :18 years, 11 Months
reate a credit risk management environment of an acceptable quality, in terms of established credit guidelines
Assist in developing sound, acceptable credit policies & Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution.
Interact with customers to obtain additional credit information to support credit lines. Reconcile transactions and balances to maintain accurate accounts.
Initiate credits and adjustments to customer accounts within company policy limits. Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents.
Submit requests to senior management and supporting documentation for accounts requiring credit lines. Research and make decisions on finance charges.
Maintain bad debt and bad debt recovery records. Monitor receivables and collections and provide updates of receivables and provide appropriate reporting procedures.
Identify problem accounts and provide regular updates of receivables to management. Negotiate payment programs with delinquent customers.
Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors.
Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate.
Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved.
Generates legal documents used in the credit function.
• Providing Customer support to clients of Debit and Crédit Cards serviced by
Network International LLC (Emirates Bank Group).
• Online Technical Support for Emirates Bank Group online banking service
(Bank net/ Card net clients).
• Active Team Player in Service-2-Sales for Credit Cards
• Strong knowledge of Emirates Banking Concept & Products.
• Log & Track of Follow-ups, Complaints, Cross-Selling, Client Updates,
Handling customer queries and resolving the issues
Providing Product knowledge
Maintaining AHT on calls
Providing quality customer service
Assisting new agents on the floor
Taking escalation calls in absence of Team Leader
achived 70% + in degree from autonomous college