رضوان شيخ

Duties and Responsibilities:-

•Analyzing and processing cases based on overall consideration of customer's profile in compliance with ADCB bank policy and procedures.
•Extract customer credit report to analyze and asses his/her credit ratings to process the application consent form filled in by customer.
•Provide the credit limit to credit cards for approval based on the payment history and delinquency records of customer.
•Collaborate with other team leaders to develop best practices for improved productivity and
efficiency across consumer banking operations
•Take a decision on assigned case after evaluate and adherence bank policy.
•Review credit card documents for accuracy, completeness, and adherence to approval conditions.
•Coordinate the credit card underwriting process including requesting, collecting, and managing required documentation.
•Collect, review and advice credit card team regarding receipt and status of all underwriting documentation.
•Order and obtain reports and verifications from external parties.
•Upon receipt of borrower credit reports, financials and supporting documentation, Transfer data
from analysis documentation to further department.
•Excellent communication and presentation skills, be comfortable interacting with executive-level management.
•Create recommendations to be presented to management and executives.
•Reconcile existing transactions through cross-referencing of incoming and outgoing data.

Duties and Responsibilities
•Receiving and making automated Calls and calling customers for bucket and written off accounts for ENBD, ADCB banks for collections.
•Contacting customers through emails.
•Advising debtors of the possible consequences of non-payment.
•Communicating with clients via telephone and emails.
•Contacting people who owe money to our clients i.e. Banks, Finance Co. Etisalat Etc.
•Securing payment from debtors and following up on emails.
•Making inquiries to trace the whereabouts of customers.
•Ensuring all contact is in line with the regulatory requirements.

Company profile
Tahseel is one of the banking subsidiaries in Sharjah. It has various operations from bucket to write off collections. Our operations are broadly classified into specialized divisions that include :
Local Tracing, Legal Special Handling, Soft Collections, Write-off Collection. Auto Loan Collections, Tele Collection & The Corporate Collection divisions.

Duties and Responsibilities
•Receiving Automated Calls and calling customers for bucket and written off accounts for ENBD, SCB, ADIB banks for collections.
•Advising debtors of the possible consequences of non-payment.
•Communicating with clients via telephone and emails.
•Contacting people who owe money to our clients i.e Banks, Finance Co. Etisalat Etc.
•Securing payment from debtors.
•Investigating claims of financial difficulties.
•Making inquiries to trace the whereabouts of customers.
•Ensuring all contact is in line with the regulatory requirements.
•Making up to 80 phone calls every day to chase up outstanding debts.

M/s Energy Australia is one of the utility service providers in Australia. It ranks the second largest service providers of Electricity & Gas in Australia by acquiring 75% of total population.
It has various sectors of operations such as Registrations, Correspondence, Billing and Credit & Collections outsourced to Concentrix Corporation. We use to deal with the customer queries from the day they sign up till their capacity to pay for their utility usage.

Duties and Responsibilities:
•Handled Escalations/Complaints from customers.
•Handled Portfolio includes B2B and B2C customers.
•Worked on High delinquent accounts queries which were more than 180+ days past due.
•Worked on Consolidated accounts queries like bill dispute, bill adjustments, etc which were the prime focuses of company.
•Responsible to send weekly and monthly reports to clients.
•Sharing new process updates to team members on weekly basis.
•Handling the team in absence of team lead.
•Handling escalations calls from customers.
•Attending Calibration calls on weekly basis with clients.

JP MORGAN CHASE bank is the second largest bank in the world whose operations are based in United States.

Duties and Responsibilities:
•Handling Inbound calls for Credit card customers explaining their bills.
•Responding to emails from customers regarding their credit card bills.
•Responsible to cope up with Hardship Team to work on those accounts which are mainly disputed by customers which are not paid for more than 180+ days, if required set up a payment plan for customers to make us minimum payments.

ACHIEVEMENTS
•Awarded as top performer for the 2nd Quarter in 2009
•Awarded as Star Performer twice in 2010 and 2012
•Promoted from BAND 3 to BAND 5 in a short span of time Due to hard work
•Awarded Team Ovation award in 2012