Sharp British banking professional whose talents shine in a competitive, innovative and creative environment. Track record of increasing sales, improving client retention and growing customer base.
Would need employer sponsorship programme for work permit.
More than 10 Years of Credit Controlling experience in all sectors of banking, credit cards, loans, mortgages and car financing, utilities.
Buchchan Clarke And Wells
13th May 2013 till 22nd December 2016 Utility Debt Recoveries Responsible for a portfolio of accounts covering the whole West London area.
Face to face recoveries of delinquent utility accounts for all the major utility companies including British Gas, Eon, SSE, Npower, EDF, Thames Water.
Duties include recovering the full amount, negotiating payment arrangements.
Dealing with vulnerable customers with sensitivity.
Also dealing with commercial utility debts.
Preparing paperwork for warrants, If customer unable to come to a conclusion with the arrears applying for warrant of entry to disconnect supply or fit a Pre-payment meter.
Attending court for the application of warrant of entry.
executing warrants to disconnect or fit a pre-payment meter.
Highly target based role.
Credit ControllerAPS Group
London Bridge EC3M 1AJ 9th May 2012 31st January 2013 Responsible for assessing the accounts for the possible risk in lending, collections of pre-paid credit card fees, overdraft and payday loans on delinquent accounts.
Responsible for all collection activities with all means of communication telephone, emails, text messages and letter.
Strategising and planning on new ways of accounts running smoothly preventing further delinquency on the account.
Running reports, managing own portfolio of accounts.
Organising financial products including, Remortgages, Personal Loans and Car Finances.
Managing own portfolio of accounts, customer queries and preparing financial statements to help customer establish a mutual convenient arrangement for a short term financial problem or try to get them a payment break if any available, for long term difficulty resign the contract with reduce payments and lower interest.
The aim is to get each and every customer to pay every month.
It was a highly target based very competitive job.
I have been short listed for a Development course for the Managers training within the company.
Managing a team of 4 by monthly reviews and side by sides and helping them in achieving their monthly targets and goals.
Reporting the monthly figures and attending monthly Managers meeting presenting the branch results and goals for the month.
01/2007 to 01/2008
Debt CollectorFirst Credit Limited
First Credit is a registered debt-collecting agency working for Lloyds TSB, Barclays, Halifax and many other.
Duties included negotiating with debtors for arranging settlement of payments as well as.
arranging easy monthly payments for them.
Responsible of own portfolio of accounts that targeted on.
01/2005 to 01/2007
Credit ControllerNationwide Building Society
Duties include negotiating with debtors to pay back, chasing debtors up, setting arrangements with the customer to pay on a regular basis in order to clear the arrears, making statement of means with the customer checking the affordability of customers doing internal searches to find their current address (if unknown) by using systems like Altas, RBS and Experian.
If debtor is unable to pay off the whole debt at once looking at their statements of means assessing the situation and making best judgments in the interest of the company and affordability of the members.
Taking credit/ debit card payment over the phone.
01/2001 to 01/2005
Assist customers with suspected fraud on cards.
My role involved investigating current profile of use and following.
customers through the appropriate process where there is a legitimate fraud investigation to query.
BA Honours Degree: Accounting and FinanceAston University BirminghamAccounting and Finance United Kingdom)
Management Training 1 year
4 A Level's including English, Mathematics, Physical