Aaroh Joshi
Sharjah,United Arab Emirates
Summary
Dedicated Customer Service Representative with 9 years of customer service experience within dynamic, fast-paced environment. Excellent interpersonal skills aiding positive professional relationships for recurring business and guaranteed customer satisfaction. Also a responsible individual bringing strong decision-making and relationship management skills to opportunities in debt collection, administration and customer service profiles. Offers good attention to detail and conflict-resolution abilities for reliable credit control.
Overview
9
9
years of professional experience
5
5
years of post-secondary education
Work History
Collector
TAHSEEL-HADAF AL KHALEEJ
Sharjah, United Arab Emirates
01.2024 - Current
- Achieved performance goals on consistent basis through strong knowledge of industry best practices.
- Analyzed financial information to develop and implement appropriate collection initiatives.
- Work on all accounts designated by the Team Leader effectively in accordance with the key performance indicators (KPI).
- Negotiated customer repayment plans, consistently maximizing early payments to reduce debt recovery time.
- Performed all debt collection activities in compliance with Financial Conduct Authority (FCA) guidelines.
Relationship officer
QUANTUM DIRECT COMMERCIAL BROKERS
DUBAI, UNITED ARAB EMIRATES
08.2022 - 01.2024
- Sold banking products to customers to exceeding set targets on monthly basis.
- Built productive relationships with customer and get new leads.
- Engage and educate customers on product usage.
- Update and manage contact database with accurate profiles, notes and relevant information.
- Undertake training on the products and improvise on selling skills.
- Represented organization to public at trade exhibitions & conventions, driving awareness of Credit card usage and generating sales.
Senior executive
SBI Cards & Payments Services Private Limited
Gurugram, India
08.2017 - 07.2022
- Experience in underwriting with capabilities of risk assessment, analysis of income and credit statement, and ratings of individuals and organizations.
- Review and process of applications in accordance with risk guidelines.
- Processing customer’s applications with high proficiency while maintaining accuracy more than 90%.
- Also have experience in verifying, rectifying and processing KYC of existing & new customer's.
- Updated client record database, raising any red flags such as credit rejections or duplicate accounts.
- Assessed customer data to make informed decisions on credit-worthiness and risk levels.
- Accurately evaluated credit risk assessment and made recommendations that increased productivity by more than 20-30%.
- Led new joiners to constantly exceed underwriting target KPIs by on average 80-85% per month.
Technical support executive
Teleperformance India
Jaipur, India
12.2014 - 05.2017
- Introduced real-time collaboration methods, resulting in decreased incident-resolution times.
- Built and maintained customer trust by maintaining ongoing communications until resolution.
- Delivered reliable, high quality technical support to average of 20-25 users daily.
- Installed new software for users and monitored version and patch update requirements.
- Communication with end consumer leading to increase in sales.
- Solving technical issues related to antivirus and operating systems.
Education
Master of Business Administration - Finance
Institute of Management Technology, IMT
Ghaziabad/ India 03.2017 - 02.2019
Bachelor of Commerce - Commerce
University of Rajasthan
Jaipur, India 05.2010 - 08.2013
Skills
- Credit collections
- Investigative research
- Payment management
- Call center experience
- Financial Conduct Authority (FCA) guidelines knowledge
- Repayment plan negotiating
- Credit and collections
- Excel proficiency
- Customer credit checks
- Customer-focused
- Communication skills
- Knowledge of MS- Office
- Exceptional communication
- Data verification procedures
- Problem solver
- Customer sales support
- Relationship-building
- Customer experience
- Written and verbal communication skills
- Customer retention
- Creative problem solving
- Outstanding customer service
- Customer service expert
Languages
English
Proficient (C2)
Hindi
Native
Affiliations
- Trekking unexplored places.
- Interacting with new people.
- Indian Street foods
- Read a few books as well
Accomplishments
AWARDED "EMPLOYEE OF THE QUARTER" FOR Q2 2015.
AWARDED ''TEAM OF THE MONTH" AUGUST 2018.
GOT PROMOTED AS "SENIOR EXECUTIVE" APRIL 2019.
AWARDED "EMPLOYEE OF THE MONTH" FEBRUARY 2021.
AWARDED "EMPLOYEE OF THE MONTH" AUGUST 2023.
FREQUENT APPRECIATIONS FROM MANAGEMENT & CHANNEL PARTNERS.
References
References available upon request.
Timeline
Collector
TAHSEEL-HADAF AL KHALEEJ
01.2024 - Current
Relationship officer
QUANTUM DIRECT COMMERCIAL BROKERS
08.2022 - 01.2024
Senior executive
SBI Cards & Payments Services Private Limited
08.2017 - 07.2022
Master of Business Administration - Finance
Institute of Management Technology, IMT
03.2017 - 02.2019
Technical support executive
Teleperformance India
12.2014 - 05.2017
Bachelor of Commerce - Commerce
University of Rajasthan
05.2010 - 08.2013
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