Pinky P. Email and Phone Number

-Provide asset recovery and collections services solutions to business customer workflow processes within the financial services segment with in-depth analysis of origination, loan fulfilment, default processes-Provide subject matter expertise to clients on different resolutions for successful asset recovery workflow processes and debt recovery solutions involving pre-collect, early stage, 1st party and 3rd party collections -Develop and present compelling business cases and proposals to drive growth objectives for all lines of the business involving UPLevel and parent company ESC Corporate Services’ entire lifecycle of services ranging from credit adjudication to asset recovery and collections-Provide input in setting strategic direction and sales targets to establish near term goals for the financial services segment-Create and execute request for proposals (RFP’s) from start to finish, request for quotes (RFQ) and request for information (RFI) bid opportunities for both the public and private sector within the public, financial, government, automotive and educational sector -Schedule/Manage client relationship meetings as required and manage the Quarterly Business Reviews (QBR’s) for top Clients -Conduct client agreement reviews and renewals of agreements -Achieve quarterly and annual revenue goals-Achieve accurate pipeline management and forecasting on Salesforce -Leverage all ESC resources (IT, Finance, Sales, Operations and Partnerships) to continuously think outside the box with the goals of "value-add" solutions for Clients -Provide strategic influencing within the prime and subprime collections and automotive industry -Act as a point of contact for key stakeholders and manage the sales mailbox -Attended conferences, webinars, and industry events

-Provide asset recovery and collections services solutions to business customer workflow processes within the financial services segment with in-depth analysis of origination, loan fulfilment, default processes-Provide subject matter expertise to clients on different resolutions for successful asset recovery workflow processes and debt recovery solutions involving pre-collect, early stage, 1st party and 3rd party collections -Develop and present compelling business cases and proposals to drive growth objectives for all lines of the business involving UPLevel and parent company ESC Corporate Services’ entire lifecycle of services ranging from credit adjudication to asset recovery and collections-Provide input in setting strategic direction and sales targets to establish near term goals for the financial services segment-Create and execute request for proposals (RFP’s) from start to finish, request for quotes (RFQ) and request for information (RFI) bid opportunities for both the public and private sector within the public, financial, government, automotive and educational sector -Schedule/Manage client relationship meetings as required and manage the Quarterly Business Reviews (QBR’s) for top Clients -Conduct client agreement reviews and renewals of agreements -Achieve quarterly and annual revenue goals-Achieve accurate pipeline management and forecasting on Salesforce -Leverage all ESC resources (IT, Finance, Sales, Operations and Partnerships) to continuously think outside the box with the goals of "value-add" solutions for Clients -Provide strategic influencing within the prime and subprime collections and automotive industry -Act as a point of contact for key stakeholders and manage the sales mailbox -Attended conferences, webinars, and industry events

-Contribute to the overall success of Scotia Dealer Advantage’s Collections team ensuring specific individual goals, plans, initiatives are executed/delivered in support of the team’s business strategies and objectives-Manage, lead, and facilitate New Hires during their onboarding/training period (in person and virtual)-Providing guidance, support, and mentorship to employees worldwide -Collaborate with team leads and managers to ensure alignment and effective teamwork-Create, implement, and continuously improve training for all employees -Provide subject matter expertise and training on collections processes, litigation, bankruptcy, repossessions, agency assignments and deceased processes -Identify in-group training requirements, workshops, lunch and learns, and recommend programs/aids as appropriate -Analyze and formulate recommendations associated with performance management of new hires during training period -Maintain and update all documents of policies and procedures in the SDA Collections repository-Understanding of the Canadian insolvency laws, collection laws, and provincial repossession laws

-Ensure consistent, quality collection efforts and service on Scotia Dealer Advantage accounts by reviewing and reporting on call quality monitoring, adherence to policy and appropriateness of follow up and actions taken on accounts; review representative work based on Call Quality Model & Account Audit Form -Monitor progress and performance trends and providing feedback to address any issues-Train and develop new and existing staff by conducting onboarding and training of all new hires in Collections, Customer Service & Recoveries departments; hosting training sessions and workshops to educate on changes to policies, procedures & operational tasks, and any refresher courses to assist with Department performance -Contribute to the effective management of SDA’s Collections and Customer Service departments by ensuring accurate trending and tracking of performance metrics; keeping abreast of changes to policy and processes; identifying and escalating any potential issues

-Perform vendor management of Third-Party vendors Teranet (formerly known as Finastra and D&H) and Paragon (acquired by ESC Corporate Services Ltd.) -Managed all inquiries, concerns, and complaints in the Global Repossession Mailbox, Repossession Highway, and all Third-Party vendor communications with Bailiff’s, Lawyer’s, and Repossession Agencies-Analyze credit bureaus and PPSA’s and provide recommendations and specialized decision making for high-risk and fraud accounts by authorizing and monitoring the timely collection activities of third-party vendors to protect the Bank’s interests and mitigate losses -Liaison with branches, regional/area sales managers, legal, corporate security, and internal business partners to provide expert solutions that ultimately help mitigate the Bank’s loss and help towards achieving the Bank’s goals-Recommend actions in the process flows that prevent reoccurring problems -Developed and implemented a Repair and Storage Lien Act (RSLA) tracker to better identify and action fraudulent trends and help mitigate fraud -Act as a Subject Matter Expert (SME) on relevant regulations, repossession procedures and policies-Assigned and managed accounts residing in Legal. Worked with multiple law firms to effectively resolve repossession accounts handled by Legal-Monitor litigation files, approve invoices, and provide input of financial projections and potential losses of litigation accounts-Knowledge of Privacy Laws, Personal Property Security Acts (PPSA), and collections laws across Canada-Understanding of the Canadian insolvency laws and legal recovery process-Analyze and authorize write offs and settlements within limits -Collaborate with lawyers, paralegals, skip tracers, collection agencies, and other external partners to maximize debt recovery-Sign affidavits, attend court proceedings/trials when necessary

- Decision and accurately process Right of Offset opportunities for multiple bank products derived from daily reports, in accordance with Scotiabank’s policies - Assist the Lean Team initiatives to simplify processes to increase efficiency and effectiveness through automation- Contributed to a total of $848, 224.00 in 2017’s fiscal year, and consistently surpass daily goals - Effectively cross trained on the Decisioning and Actioning of Retail Overdraft Accounts and Small Business Overdraft Accounts and assist when required

- Perform manual assignments of accounts to Third Party Collection Agencies- Decision and action specialty Managerial queues and escalations- Perform administrative tasks such as issuing and preparing manual collections letters - Liaison with multiple Branch and customer inquiries, concerns, and complaints, and provide prompt and accurate resolutions - Direct and send account closure requests to corresponding departments across Canada