Detail-oriented Collections, Receivables & Customer Service Professional with hands-on experience in refunds, pre-authorizations, fines management, insurance sales, and financial follow-ups . Proven ability to manage customer accounts, resolve disputes, meet daily targets, and ensure compliance with company policies. Strong background in insurance, finance, customer relations, and administrative operations . Adept at working under pressure in fast-paced environments.
Overview
9
9
years of professional experience
1
1
Certification
Work history
Collections / Receivables Executive
Drivus Car Rental Company
Dubai, United Arab Emirates
2024.04 - Current
Processed security deposit refunds promptly after vehicle return, ensuring accuracy and policy compliance.
Completed customer pre-authorizations after validating outstanding deductions and shared clear supporting documentation.
Calculated rental charges for daily, weekly, monthly, and lease clients in line with company pricing policies.
Followed up on monthly renewals and outstanding payments ; initiated recovery actions as per company procedures.
Posted all collections, refunds, and adjustments accurately in the Abhooshi system .
Managed traffic fines by extracting details from RTA, TAMM, and Dubai Police applications and ensured payment within 24 hours , consistently achieving daily targets.
Communicated fine details and supporting proofs to customers clearly to avoid disputes.
Handled and resolved customer complaints , ensuring quick resolution and improved customer satisfaction.
Coordinated with internal teams (operations, accounts, customer service) to resolve discrepancies efficiently.
Maintained accurate records and ensured compliance with internal audit requirements.
Insurance Executive
Sharayu Toyota
Goa, India
2023.04 - 2023.11
Collected and verified previous insurance copies from non-Toyota customers.
Promoted Toyota insurance by clearly explaining coverage benefits and cost advantages.
Communicated with customers via phone and WhatsApp to improve satisfaction and retention.
Prepared and shared insurance quotations efficiently.
Calculated accurate premiums in compliance with industry standards.
Coordinated with insurance companies to resolve policy-related queries.
Used Parivahan and Toyota Protect apps for insurance and transport-related tasks.
Handled policy cancellations with proper documentation.
Managed payment collections and ensured timely confirmations from accounts.
Conducted vehicle inspections and consistently achieved assigned targets.
Insurance Executive and Mutual Fund Advisor
Navemarg Financial Service
Margao-Goa, India
2021.08 - 2023.04
Insurance
Explained health insurance products and assisted clients in selecting suitable plans.
Registered policies accurately and processed claims with complete documentation.
Followed up on claims to ensure timely settlement.
Mutual Funds
Maintained regular client communication and relationship management.
Managed data using MS Excel for accurate tracking and reporting.
Assisted clients with SIP registrations, redemptions, and additional investments via NJ e-Wealth App.
Coordinated with AMCs to resolve transaction and account queries.
Conducted Investor Education Programs and promotional campaigns.
Assistant
JAN UGAHI
MARGAO GOA, INDIA
2020.04 - 2020.05
Managed filing systems with accuracy, ensuring organized records and smooth administrative operations.
Handled incoming calls efficiently, providing timely assistance and resolving inquiries.
Coordinated programs such as "Bal Mela" for children from varied backgrounds, promoting inclusivity and community engagement.
Supported accounting tasks including invoicing, reconciliations, and financial reporting for accurate financial management.
Receptionist
MAHILA ASHRAM
ASSAGAO, GOA, INDIA
2018.01 - 2018.10
Maintained detailed inmate records using registers and Excel for accurate and organized documentation.
Assisted in the seamless transfer of inmates to different institutions, demonstrating effective coordination and adherence to established protocols for secure and efficient transitions.
Created and managed inmate timetables, organizing activities such as yoga, stitching, and recreation.
Managed the visitor register with accuracy, supporting facility security and organization.
Efficiently collected donations and issued receipts, maintaining accurate records to ensure transparent and accountable financial transactions.
Assistant
TAILOR BIRD (Garment Enterprise)
Dramapur, GOA, INDIA
2016.11 - 2017.05
Took accurate uniform measurements and maintained precise distribution records.
Received and processed orders efficiently, ensuring accuracy and timely fulfillment.
Managed filing and record systems to support organized and efficient operations.
Successfully managed email communication and order confirmation processes with companies like Lupin India, Cipla ensuring accurate and timely execution of transactions and fostering positive business relationships.
Education
Bachelor of Commerce - Honors in Accounts
Carmel College of Arts, Science & Commerce
Nuvem-Goa- India
Holy Trinity Higher Secondary School
Benaulim- Goa - India
2001.04 - 2017
St. Joseph Convent High School
Verna- Goa- India
Skills
Collections & Receivables Management
Refunds & Pre-Authorization Processing
Customer Complaint Resolution
Fines & Compliance Handling (RTA, Dubai Police, TAMM)
Payment Follow-ups & Renewals
Customer Retention & Upselling
Insurance Sales & Policy Knowledge
MS Excel, Word, Outlook
ERP/System Posting (Abhooshi)
Communication & Negotiation
Certification
Certificate Program in Banking, Finance and Insurance. Bajaj Finserv Limited
Advance Diploma in Computer Application (MS Word, Advance Excel, MS PowerPoint, MS Access, Tally ERP 9). Digicom training Academy
Accomplishments
Employee of the Month. Navemarg Financial Services