JOB CATEGORY
Customer Service
EMPLOYMENT TYPE
Full-time
JOB LEVEL
Mid Career
YEARS OF EXPERIENCE
7+ Years
LANGUAGE
English
Jobseeker Gender
Female
Description
ZAINAB MOHAMMED
Customer Service/Credit Risk Analyst/Collection officer
Retail Credit Analysis (Data Checking, Analysis & Fraud Analysis) | Risk Mitigation & Control | Credit Appraisals | MIS & Reporting, Collection
[email protected] 97450838377 5000000050838377
SENIOR PROFESSIONAL
Over 14 Years of Experience
Location Preference:
Doha, Qatar
Industry Preference:
Banking, Financial Institutions, Insurance & Public/ Private Entity
Personal Details
Date of Birth:
1st May 1969
Nationality:
Indian
Marital Status:
Married
Dependents:
1
Passport No.
N8990784
Languages Known:
English, Hindi & Arabic
Address:
Doha, Qatar
Visa Status : Husband
sponsorship
Profile Summary
worked with Reem Finance, Abu Dhabi, UAE as a Coordinator/Collection officer/ Credit Risk Analyst; performing the collections & recovery functions including credit appraisals & administration; analysis of credit data and financial statements & determining the degree of risk in extending credit & lending money
Experienced in Customer service, Coordination, Operations, Credit Admin, Collection, card processing, Personal Loans & Credit Cards Processing; credit administration & appraisal, risk & process management, risk identification, , de-dupe checking activities & operations team functions
Recognized for processing applications with TAT & SLAs, acting as First Contact Point Verification & reduced the risk factor; recommending the limits for personal and credit card applications while ensuring safe custody of customer and collateral documents
Capable of:
o Managing collections operations & support function, weekly-monthly reconciliation, collection & recovery RRR Final Rating (Residual Risk Rating)
o Assessing credit worthiness of clients, training members on credit policies, new schemes and finance options
o Driving overall performance & appraisal of the team and ensuring that the credit and loan disbursements
Skilled in approving loans within specified limits, completing documentation for loan; providing flawless services to the client, training & developing talented resources & ensuring customer satisfaction thereby resulting in business growth
Team based management style coupled with zeal to drive vision into reality; maintaining vibrancy & motivation amongst the team to perform and grow
Core Competencies
Academic Details
Trainings Attended
Credit Administration & Appraisal
Credit Card & Loan Processing
Team Building/Training & Development
Recovery & Collections Operations
Loan Requests/Submission/Approvals
Risk & Process Management
Bachelor of Arts from Calicut University
Effective Office Management
Dimensions of Sales Success
Master Card International Training
Banking Products & Operations from Emirates Banking Institute
Credit Appraisal Techniques from Emirates Banking Institute
Detection of Forgery and Counterfeiting
Organizational Experience
2013-2017
REEM Finance as Credit Risk Analyst/ Collection officer
Last Worked with collections department; working on credit administration, CAD, collection, customer service, coordination & operational functions; managing the entire functions of recovery and collections, aged debt & delinquency reduction, loan & credit card processing operations; working on Bluezone, CAS & FinnOne applications; dealing in all corporate banking SME, personal loans and credit cards; highlighting discrepancies & anomalies; ensuring safe custody of customer & collateral documents; following-up with customers for obtaining various documents including other activities in the organisation
Significant Accomplishments:
Successfully managed entire functions of:
o Evaluating customer records and recommending payment plans based on earnings, savings data, payment history and purchase activity
o Checking proper documentation, calculations and process the files
o Referring the exceptional cases to the Risk Manager
o Recommending the limits for personal and credit card applications
o Approving personal & credit card applications as per assigned limits
o Processing and disbursing all personal and credit card applications as per TAT
Collaborated with Officer, Cards Business Intelligence for designing and developing comprehensive MIS reporting packs for cards to facilitate prudent risk and process management of the card portfolio
Successfully leading
o Entire functions of credit operations (loans & advances), credit portfolio of the branch, approving loans; evaluating applicants' financial status, credit & collateral security
o Preparing detailed appraisal report for the credit committee
o Documentation for loan applicants and identifying possible risk by conducting periodical review of loan portfolio
o Processing enhancement & adhoc request while liaising with credit departments, Head Office, credit rating agencies & stakeholders w.r.t loans and advances
Minimized the delinquent customers in consumer banking portfolio by reducing aged delinquencies and proper customer follow-ups for payments
Consistently met or exceeded company requirements relating to quality audits
Managed all loan and credit requests and made approval decisions
Improved efficiency by collaborated Loan processor teams to effectively communicate
Resolved queries/ requests as per Service Level Agreements (SLAs); and achieved a Turnaround Time (TAT)
Understood banking system, policies and statutory requirements laid by acts governing banking regulations
Dealing with escalated customer issues and complaints & resolved within specified TAT
All Collection related work and card processing, Charge back related work
Jul’05 - Sep’13
Finance House PJSC as Coordinator & Credit Authorizer
Significant Accomplishments:
Chosen as Discretionary Power of AED 15k for Credit Cards & Pay Day Cards
Awarded the Best Employee Certificate in 2012 & 2013 from Chairman
Developed MIS reports for the Card Operations unit for Management review
Conducted weekly meetings with the teams and discuss with the new improvements
Successfully managed credit card operations team while assisting Senior Management
Played a key role in processing of consumer products like credit cards & personal loan, calculation of financial document, ensuring consistent application of credit policy, quality of underwriting decisions & communicating major deficiencies and policy violations
Trained teams on improvement & maintenance of process flow across sales & credit operations
Jan’05 - Jun’05 Star Recruitment as Recruitment Consultant
Helping clients to find suitable candidates to fill there positions
Involved with the marketing department to devise job adverts
Making calls to candidates who are judged to be eligible
Conducting telephonic interviews with prospective candid dates
Screening, testing and assessing candidates
Involved negotiating the salary between the client and the candidate
Attending job fairs on the company behalf, standing at a staff and taking with the graduates and job seekers
IT Skills :
MS Office (Word, Excel & Power Point)
Information
