Michael Anthony De Mesa Email & Phone Number

Taguig City, Metro Manila, Ph

 Analyze portfolio by looking at vintage analysis report and historical trends of recovery rate; cost and income. Provides recommendations on strategy enhancement or implementation of new plans to improve recoveries. Ensure implementation of collection strategies on accounts endorsed to the team plus timely and efficient monitoring and tracking of staff efficiency in recovering the vehicle or cash collections. Develop productivity standards and MIS to effectively monitor the performance of its team members. Constantly reviews pricing of collection agency fees/incentives. Review and streamline internal processes to increase team productivity and efficiency. Rationalize operational expenses to ensure that these are optimal. Capacity planning to ensure adequate collection resource to deliver business objectives. Ensures compliance of the external collection agencies on the agreed SLA/evaluation as well as their compliance on the local regulating body’s provisions and policies. Provide valuable input/feedback to other concerned units outside the department that will aid in streamlining processes, initiatives, programs, policies etc. Foster working environment that will promote camaraderie and culture of excellence Strict implementation of the vision of the bank in establishing a world class bank anchored on excellent customer service by putting the “customer first” in all that we do. Thereby reinforcing service standards in all interactions with internal or external clients. Ensure requests for waiver/reversal of charges are acted upon immediately, clients and agency queries/concerns/complaints are addressed. Certificate of full payment are processed in an accurate and timely manner. Work with training and development to identify learning modules necessary for external agents and recommend motivational programs to enhance team and individual performance. Coach, train and monitor Recovery officers in the performance of their responsibilities.

Taguig City, Metro Manila, Ph

- Manage flow rates to prevent accounts from deteriorating to write-off and recovery- Create and drive a collections team aligned with the Bank’s various loan products- Devise and monitor collection strategies to control and minimize financial risk and loss to the Bank- Assign itineraries for phone and field collections and follow-ups - Supervise and monitor skip-tracing- Propose and implement approved statement of accounts, collection reminders, notices and demands via lettering, SMS and email, and related communications- Endorse accounts to Credit or Legal for Remedial Management or Asset Management / Recovery- Reconcile and prepare needed reports and MIS for monthly Collections Reviews

Pasay City, Metro Manila, Ph

- Responsible for the collection, rehabilitation and monitoring of assigned past due Commercial & Local Government Unit (LGU) accounts.- Ensure that loan collections and the rehabilitation of accounts would have the highest definitive impact on profitability and liquidity generation- Formulate effective and efficient account rehabilitation strategy with the aim of reducing past due levels and restore delinquent accounts to performing status - Negotiate with clients for possible settlement or restructuring of their past due accounts- Prepare and review the recommendation for the restructuring, updating or settlement of the assigned past due account based on the agreed repayment plan, prior to submission to the pertinent Credit Committee.- Present to Senior Management Credit Committee, Executive Committee or the Board of Directors the request for approval of the recommendation for restructuring, updating or settlement together with other financial ramifications related to this request.- Appear in court as may be necessary to testify in favor of the bank regarding handled and managed accounts that were subject to litigation- Facilitate the transfer of assigned accounts foreclosed by the bank to the Asset Management Group in accordance with bank policies

- Manage collection team and partner agencies by ensuring flow rates are maintained to prevent accounts deteriorating to write off stage.- Manage team’s performance to ensure quality efforts exerted in collection of receivables and past due accounts- Review account handling of team leaders and collection agencies with the aid of the collection system

- Manage the Secured Collection Team responsible for collection activities to ensure prompt payment and settlement of arrears of client’s loan accounts. - Maintain low delinquency rates through the implementation of effective and aggressive collection strategies.- Oversee inbound and outbound collection task distribution and monitor staff productivity. - Review and approve the sending of all Statement of Accounts, notices and demand letters to clients- Handle all collection concerns, complaints, inquiries and requests of clients referred to by Collection Officers- Prepare the documents for the foreclosure of all voluntary surrendered vehicles- Recommend for legal action all delinquent accounts with arrearages as specified in the bank policies- Prepared monthly report and MIS and presents the same to the Business Heads

Cards Authorization Officer, Investigation officer for Customer Service, Merchant Services Officer, Team Leader for Guam Operation and Customer Service Team, Team Leader for Recovery Operation Unit.