Chris Margin Email & Phone Number

• Involved in the recoveries of all delinquent accounts (Personal loans/Credit Cards/Motor Loans and Mortgage loans)• Issued appropriate correspondence • Negotiating payment plans• Keeping records up to date• Identified Hardship cases and providing the necessary support• Liaising with clients to support them in reducing debt• Conducting necessary skip trace on accounts• Working to achievable individual KPI’s and targets• Attend to Ad-Hoc work Key… Show more • Involved in the recoveries of all delinquent accounts (Personal loans/Credit Cards/Motor Loans and Mortgage loans)• Issued appropriate correspondence • Negotiating payment plans• Keeping records up to date• Identified Hardship cases and providing the necessary support• Liaising with clients to support them in reducing debt• Conducting necessary skip trace on accounts• Working to achievable individual KPI’s and targets• Attend to Ad-Hoc work Key achievements • For the month of January current Settlements/Payouts negotiated from Customers stands at over $50,00• Maintained a high level towards compliance• Discussed improvement of new loans with COO which is currently under review with the sales department• Provided alternative collections tools for high delinquency accounts• Received nomination from team members for internal reward and recognition.• Aid new hires within team Show less

• Promptly contacting customers in arrears so that the best opportunities are made to reach a mutually agreed arrangement for payment of arrears.• Ensuring accurate preparation of instructions to lawyers, obtaining valid opinions and documentations• Working with internal Customer Resolutions team to resolve any internal/external disputes. For example, actions included performing underwriting reviews to ensure the integrity of the loan.• Ensuring the month end reporting relating to… Show more • Promptly contacting customers in arrears so that the best opportunities are made to reach a mutually agreed arrangement for payment of arrears.• Ensuring accurate preparation of instructions to lawyers, obtaining valid opinions and documentations• Working with internal Customer Resolutions team to resolve any internal/external disputes. For example, actions included performing underwriting reviews to ensure the integrity of the loan.• Ensuring the month end reporting relating to the mortgage portfolio was completed in an accurate and timely manner• Required to ensure the overall business objectives of the Mortgage portfolio and its customers by maintaining a high level of compliance and integrity with all account actions.• Provide exemplary Customer Service experience by:- Ensuring service levels are maintained at a high level and action is taken to seek out and improve service- Ensuring all statements are issued to customers in a timely manner- Investigated any resolved any customer concerns where applicable• Attended to the processing and payment of invoices for the mortgage department from external stakeholders (Legal/Agent costs)• Identified Hardship cases and completed entire Hardship process as required by the National Consumer Credit Application Act. Show less

• Utilising various systems and liaising with internal business departments to assist and provide best action required.• Contribute to team targets, and exceed individual targets • Maintain extremely high level of customer/business focus• Fielding queries from customers on product issues• Responding to email, fax and letter enquiries• Maintenance of database• First call resolution• Fielding queries from customers on technical product issues• Escalation of… Show more • Utilising various systems and liaising with internal business departments to assist and provide best action required.• Contribute to team targets, and exceed individual targets • Maintain extremely high level of customer/business focus• Fielding queries from customers on product issues• Responding to email, fax and letter enquiries• Maintenance of database• First call resolution• Fielding queries from customers on technical product issues• Escalation of concerns to level 2 where required• Management and resolution of customer concerns• Perform underwrite reviews so ensure all loans to avoid any possible maladministration. Show less

• Managed a team of 12 front line associates• Monitored all calls and updated KPI’s for all associated.• Held monthly performance reviews and highlighted any concerns where required• Provide ongoing support for team members enquiries to help with the decision-making process as well as provide ongoing development of team members• Analysis of relevant statistics on day to day activity and report back to one over manager.• Following the personal loans process from start to end… Show more • Managed a team of 12 front line associates• Monitored all calls and updated KPI’s for all associated.• Held monthly performance reviews and highlighted any concerns where required• Provide ongoing support for team members enquiries to help with the decision-making process as well as provide ongoing development of team members• Analysis of relevant statistics on day to day activity and report back to one over manager.• Following the personal loans process from start to end ensuring positive customer experience • Building and maintaining relationships with customers on escalations of calls• Provide ideas to create motivation within the team via reward and recognition programs to achieve stretch targets• Lead by example by answering customers calls and collect on overdue payments• Develop rapport with clients to understand reason for default and provide an understanding of how to best educate clients on decisions made Show less

• Gain an understanding of customer accounts and enact collection of losses of transferred account• Manage clients account when paid and liaise with Internal departments to update the customers credit file• Issuance of legal action when required to recover unpaid debts• Meeting relevant KPI’s set by the business in monies owed/paid• Provide clients with real time account information and education as to possible solutions in place to assist in hardship.• Handled all accounts… Show more • Gain an understanding of customer accounts and enact collection of losses of transferred account• Manage clients account when paid and liaise with Internal departments to update the customers credit file• Issuance of legal action when required to recover unpaid debts• Meeting relevant KPI’s set by the business in monies owed/paid• Provide clients with real time account information and education as to possible solutions in place to assist in hardship.• Handled all accounts from early to late stage collections Show less