Fathimath Fidhana
Sharjah,UAE
Summary
Experienced Banking Collection Officer with strong knowledge of recovery procedures, regulatory compliance, and customer communication. Adept at managing credit card and loan overdue accounts, negotiating settlements, and ensuring timely collections to support overall portfolio health.
Overview
2
2
years of professional experience
Work history
Collection officer
PACT Employment Services
Dubai, India
04.2025 - Current
- Managed overdue customer accounts and ensured timely recovery of payments.
- Performed regular follow-ups via calls, emails, and system updates.
- Negotiated repayment plans and settlements while maintaining compliance with bank policies.
- Maintained accurate records of customer interactions and payment commitments.
- Coordinated with internal departments to resolve disputes and verify account details.
- Met monthly recovery targets and reduced delinquency rates.
- Prepared daily/weekly collection reports and escalated high-risk accounts to management.
- Helped in updating debtor databases regularly thus ensuring access to up-to-date information at all times
- Leveraged skip tracing and data tracking techniques to locate debtors.
- Monitored accounts for compliance with established payment plans and flagged those in violation.
Intern
International Institute of Information Technology
Bangalore, India
03.2024 - 11.2024
- Proficiency in HTML, CSS, JavaScript, PHP, and other relevant programming languages
- Creating and testing applications for websites.
- Presenting design specs Working with graphics and other designers.
- Troubleshooting website problems and bugs
- Maintaining and updating websites
- Monitoring website traffic
- Staying up-to-date on technology in general.
Education
Bachelor of Engineering - Computer Science and Engineering
P.A College of Engineering
Karnataka/India /2022 - /2025
Diploma - Computer Science and Engineering
P.A Polytechnic
Karnataka/India /2019 - /2022
Higher School -
Hira Girls High School
Karnataka/india /2018 - /2019
Skills
- Project Management
- Public Relations
- Teamwork
- Time Management
- Leadership
- Effective Communication
- Critical Thinking
- Strategic thinking
- Business Intelligence
- Marketing skills
- 3D Model
- SQL
- Microsoft office outlook
- Record keeping accuracy
- Financial software mastery
- Skip tracing techniques
- record-keeping proficiency
- Collection progress reporting
- CRM systems experience
- Microsoft Excel
- Bookkeeping
- High-volume account management
- Risk and asset management solutions
- Accounts Receivable management
- Investigation due diligence
- Power BI
- Spread Sheet
- Quick learner and open to learning new things
- Good motivator and has good leadership skills
- Good team member
- The ability to use computers for research analysis and communication
LANGUAGES
English
Hindi
Malayalam
Kannada
Accomplishments
- The project named "Wheelchair Control through Eye Blinking" won the Second Prize at the ACCS Design Challenge event held at IIIT Bangalore.
- The project named "Voice-Controlled Tripod using IoT" won the First Prize at the Embedded Club event held by P.A. College of Engineering, Mangalore.
- The project named "Virtual Reality on Education" was selected as one of the Top 15 projects at the Metaverse Hackathon, held at IIIT Bangalore.
- The project named 'Namma Vidya Chavadi for the Rural People' was selected as the best project in Hack 4 Mysore, held at MIT Mysore.
Timeline
Collection officer
PACT Employment Services
04.2025 - Current
Intern
International Institute of Information Technology
03.2024 - 11.2024
Bachelor of Engineering - Computer Science and Engineering
P.A College of Engineering
/2022 - /2025
Diploma - Computer Science and Engineering
P.A Polytechnic
/2019 - /2022
Higher School -
Hira Girls High School
/2018 - /2019