Financial accountant at Alef Group, where I have developed strong skills in financial reporting, analysis, and compliance. Proven ability to manage multiple assignments while meeting tight deadline schedules.

Credit Collections Specialist, Risk Management at Mashreq BankNegotiating payment arrangements resulting in balance-in-full or settlements• Handling bucket collections for outstanding credit card• Providing customized solutions to delinquent customers• Develop and recommend schemes for loan-restructuring, write-offs, and bucket accounts• Innovating and implementing new methods to maximize collectionsNegotiating payment arrangements resulting in balance-in-full or… Show more Credit Collections Specialist, Risk Management at Mashreq BankNegotiating payment arrangements resulting in balance-in-full or settlements• Handling bucket collections for outstanding credit card• Providing customized solutions to delinquent customers• Develop and recommend schemes for loan-restructuring, write-offs, and bucket accounts• Innovating and implementing new methods to maximize collectionsNegotiating payment arrangements resulting in balance-in-full or settlements•Informing customers about the prevalent UAE laws.•Preparing reports to map the status of collection on a daily basis•Monitoring and rehabilitation of delinquent and over-limit accounts and to minimize delinquent accounts.•Determining when collection actions for restitution accounts have not been effective and referring them to the Legal Attorney for legal action.•Explaining legal obligations and penalties to debtors for non-payment of debt owed; and acts as liaison with other departments for collection of revenues owed. Show less

•Managing experienced and specialized team and direct them for handling local and international assignments, and achieving targets using very advanced collection technology. •Dealing professionally with multinational and local banks and other financial institutions. •Supervising staff to perform tasks effectively, meeting production targets, Ensuring achieving or exceeding the client’s target., management file reviews, meeting and exceeding compliance standards, developing collection… Show more •Managing experienced and specialized team and direct them for handling local and international assignments, and achieving targets using very advanced collection technology. •Dealing professionally with multinational and local banks and other financial institutions. •Supervising staff to perform tasks effectively, meeting production targets, Ensuring achieving or exceeding the client’s target., management file reviews, meeting and exceeding compliance standards, developing collection policies and procedures and controlling the functional units of the collection operations and Suggesting an incentive scheme . •Preparing reports to be communicated to upper management and client outlining daily and monthly results. •Analyzing and monitoring the collection strategies. •Staffing and preparing the capacity plan and accordingly determining the recruitment needs and cooperating with HR regarding the selection process by conducting interviews and deciding the best candidate.•Call owners of delinquent accounts on a monthly and weekly basis to solicit payments.•Educating customers of the severity of non-payment and effects on their Creditability.•Meeting the customer at the branch to make sure timely resolution is done in order to save further cases of delinquency.•Making sure timely coverage is done of the accounts.•Achieving targets set by the management.•Analyze individual cases and chalk out alternative routes like full payments or consolidation.•Applying codes, procedures, and rules to determine feasibility of securing revenue. Show less