Yousif AL-Jazmi

Achievements:-

•Reduce the Bad Debit of Vodafone - Qatar across deferent products (Consumer, Enterprise, Fixed and Bulk SMS …etc.) by applying sound collections strategies that suitable to Telecommunication Company and ensure that all collections activities are done on time and appropriately.
•Set up the onshore collection department of Vodafone - Qatar in terms of managing, training, and staffing.
•Initiate & Start up the Legal Actions against delinquent customers in terms of writing the Process, the procedures and finalizing the Engagement Agreement with our external lawyer.

Responsibilities:-

•Manage the Onshore & Offshore collections teams in terms of guidelines, assigning targets to collectors and provide a regular feedback about the performance.
•Implement all collections Process, Procedures and dunning actions across deferent products and make sure that these process and procedures are followed by the collections specialists.
•Set the KPI’s for the collections teams (Onshore & Offshore) to ensure that the collections target that set by the management is met on a monthly basis.
•Monitor the performance of the collection specialists against the KPI’s that set by the management and give appropriate feedback to the specialist(s) if these KPI’s are not met.
•Evaluate the collections calls to ensure that the Quality standards are met and give feedback to the specialist(s) if required.
•Make sure that the TNPS for the Collections Team is met and work closely with the Quality Assurance Department to improve / enhance it if needed.
•Handle the Consumer VIP and High Segment of Enterprise accounts to ensure the payment of the overdue amounts.
•Make sure that the collections activities are consistent with Customers Experience by making sure that the Dunning Actions are done on time and appropriately.
•Review new Propositions and Products to identify credit risk associated and agreeing on a plan with the Stakeholders to mitigate it.
•Work closely with Credit Control Department to identify the delinquent accounts more than 90+ days and Blacklist these customers so they will not avail a new credit from the company in the future.
•Lead and motivate both Onshore and Offshore teams (15 analysts + 2 Team Leaders). Train and mentor collection analysts on customer interaction, product knowledge, and customer service.
•Responsible for their regular 1x1 and coaching in order to boost up their performance and show interests in their individual development as their manager.
•Review client accounts on an ongoing basis to asses collectability of receivables and to head off potential problem accounts.
•Assist in special projects as required by senior management.

Ahlibank QSC (Retail Banking)

Retail Collection Manager

Achievements:-

•Set up and Structure the Collection and Recovery Department in terms of Staffing, Training.
•Introduce the Collection and Recovery Policies, Procedures, Strategies and Processes.
•Develop and enhance the bank's system & collection reports to meet the job requirements of collection department.
•Introduce Collection Agencies to bank's management and handling all the issues which are related to this subject in terms of preparing related proposals, coordinate and follow up with agencies.

Responsibilities and Duties:-

•Assign delinquent accounts to collectors according to stage of delinquency, skill level and
Experience
•Ensure adherence of Collection staff to bank's Policies and Procedures.
•Ongoing review of Collection activities and Operation to determine department progress toward stated goals and objectives of the bank.
•Create and generate reports to monitor and evaluate the performance of the collection department.
•Provide the bank's management with delinquency analysis and feedback of targeted sectors based on statistical repots and market research.
•Work with Credit Department to revise and amend the Credit Policy by recommending changes as necessary to support Sales growth while limiting Risk.
•Prepare the provisions for the classified accounts (Personal Loans, Credit Cards and Car Loans) in accordance to Qatar Central Bank Regulation.
•Handling all issues which are related to Provisions and Suspended Interest.
•Propose downgrading and upgrading of the classified accounts to bank's management.

August 1998 - August 2005
MashreqBank psc (Retail Banking Group)
Senior Collection & Recovery Officer
Collection & Recovery Responsibilities:
• Mange and Follow up assigned delinquent accounts (Loans, Credit Cards, and Revolving Overdraft) and ensure the payment of overdue amounts on the due date.
• Reduce the Past Due balances, with particular emphasis on delinquent accounts which are more than 30 DPD.
• Establish Payment Plans when borrowers are unable to make full payment after obtaining appropriate approval and documentation.
• Ensure that Payment Plans are being followed as agreed by the borrowers if not, than appropriate action to be taken or escalate the case to manager for review.
• Make recommendation to send accounts to a Collection Agency when all efforts have been exhausted.
• Take the necessary actions against delinquent borrowers (Criminal Action & Civil Cases)

Other Responsibilities and Duties:
• Monitor & follow up excess temporary overdraft accounts and prepare the monthly Exception Report.
• Preparing & handling the Insurance Claims of Deceased Borrowers.
• Propose Write-off Cases to bank's management.
• Credit Analysis in terms of Lending Policy.
• Credit Evaluation in terms of Documentation & Eligibility.
• Prepare Provision of Classified Accounts (Loans, Credit Cards & Revolving Overdraft) in accordance to Qatar Central Bank Regulations.