Summary
Overview
Work History
Education
Skills
Languages
Timeline
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GODSWAY KWAME AMEMAXA

Dubai

Summary

Dedicated and result-driven Credit Collection Team Leader with a proven track record in leading high-performance teams to achieve and exceed collection targets. Seeking a challenging role to leverage interpersonal skills and in-depth knowledge of the credit collection process to drive efficiency, foster a collaborative team environment, and contribute to the financial success of the organization. Also eager to apply expertise in portfolio management, performance optimization, and pro-improvement to enhance the overall efficiency of the credit collection function within a dynamic and growth-oriented company.

Multi-tasking Team Leader well-known for executing successful initiatives. Creates dynamic and positive workplace culture to align with organizational mission and values. Trains new hires and mentors struggling workers to achieve overall team success.

Overview

11
11
years of professional experience

Work History

Team Leader, Credit Control And Recovery

Azzite Claims And Recovery Agency
01.2023 - Current
  • Monitor customer accounts to identify overdue payments and delinquent accounts. Initiate appropriate collection actions and communicate with customers via phone, email, or written correspondence to resolve outstanding issues promptly.
  • Collaborate with customers to negotiate and establish suitable repayment plans for delinquent accounts, while maintaining a customer-focused approach and adhering to company guidelines.
  • Dispute Resolution: Investigate and resolve payment disputes or discrepancies in a timely manner. Coordinate with relevant departments to rectify any payment errors and ensure accurate balance.
  • Review team's daily collection report and monitor call recordings and logs.
  • Prepare regular (MIS) reports on the status of outstanding accounts, collection activities, and credit risk assessments. Utilize data analysis to identify trends and develop strategies for improving collection effectiveness.
  • Tracing and Investigation using available tools such as PIPL, Naukri, White Page, LinkedIn and other social media platform to investigate and trace Skip, Non Contactable, Refuse To Pay (RTP) and Contactable customers for payment.
  • Set performance expectations for team, monitoring progress towards goals and providing constructive feedback as needed.
  • Developed effective improvement plans in alignment with goals and specifications.
  • Stay up-to-date with relevant industry regulations and best practices related to credit management and collections. Ensure compliance with all legal requirements and internal policies.
  • Continuously review and enhance credit and collections processes to optimize efficiency and minimize risk exposure. Suggest and implement improvements to streamline workflows and enhance the overall effectiveness of credit management.

Sales Co-Ordinator

National Bank Of Ras-Al Khaimah RAKBANK
02.2022 - 12.2022
  • Worked directly with customers to market and sell Bank products such as credit cards and loans
  • Create and maintain customer relationships with Bank by giving customers very good customer services and selling financial products.
  • Develop relations with client and other professionals industry players to increase Bank's customer base.
  • Receive and make minimum of 40 client calls per day and prepare/submit case log ins with all relevant documentation for approvals.
  • Achieved 20 credit card sales target Month on Month and AEC 100,000 loans
  • Analyzing and assessing customers profile for both individual and cooperates
  • Provided Market feedback to review product and fully penetrate into new market
  • Writing monthly report on achievements
  • Assist in other administrative duties such as filling copying etc.

Head of Credit Department

Options Microfinance Ltd Bank
02.2018 - 10.2021
  • Disburse and recovery of credit facilities
  • Resolve any discrepancies in customers' accounts by conducting bank reconciliation
  • Able to increase Contactability ratio from 25% to 40% in one year
  • Monitor performance of distressed collections and use appropriate measures to collect debt
  • Monitor and track account payables to make sure customers follow agreed payment schedule to later
  • Calculate financial ratio of clients using credit scoring system
  • Conduct monthly bank reconciliation on account and remind customer their current obligations
  • Conduct analysis of financial statement and credit worthiness of loan application to approve or reject
  • Develop and implement strategic plans to achieve monthly collection target as well as disbursement targets
  • Call and remind customers prior to their payment due date
  • Develop and maintain customer relationship with current and prospective clients
  • Manage relationship with customers to ensure loans are paid to due date
  • Negotiate with default customers to repay their debt in full where by reducing bad debt ratio
  • Ensure company policies and Compliance are followed at all time
  • Recommend default loan to appreciate legal department
  • Prepare and present Monthly report to management
  • Review and restructure credit agreement and ensure customer follows new agreement to later
  • Use appropriate force within legal frame when necessary, taking into account customer relationship management.
  • Demonstrated leadership skills in managing projects from concept to completion.
  • Resolved problems, improved operations and provided exceptional service.

Credit and Collection Officer

Family Trust Capital Ltd
03.2013 - 01.2018
  • Reduced delinquent accounts with diligent follow-ups, resulting in increased cash flow for the company.
  • Listened to customers and negotiated solutions that met creditor and debtor needs.
  • Responded to customer inquiries and provided detailed account information.
  • Developed credit policies that minimized risk while supporting business growth and customer satisfaction.
  • Maintained accurate records of customer accounts, payments and payment plans.
  • Consistently met or exceeded departmental goals for collections and recovery rates by employing effective techniques and strategies.
  • Developed and documented collection procedures and policies to comply with government regulations.
  • Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.

Education

Associate of Science - Mechanical Engineering

Accra Technical University
Accra
09.2015

Skills

  • Strong Negotiation Skills
  • Strong Communication Skills and Customer Service Skills
  • Excellent oral and written presentation skills
  • Computer Skills
  • Intermediate Microsoft Excel and Powerpoint Presentation
  • Excellent numerical and data entry skills
  • Multitask Ability
  • Skip Tracing Skills
  • Sales expertise
  • Salesforce Software Proficiency
  • Call Center Operations
  • Teamwork and Collaboration

Languages

English

Timeline

Team Leader, Credit Control And Recovery

Azzite Claims And Recovery Agency
01.2023 - Current

Sales Co-Ordinator

National Bank Of Ras-Al Khaimah RAKBANK
02.2022 - 12.2022

Head of Credit Department

Options Microfinance Ltd Bank
02.2018 - 10.2021

Credit and Collection Officer

Family Trust Capital Ltd
03.2013 - 01.2018

Associate of Science - Mechanical Engineering

Accra Technical University

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GODSWAY KWAME AMEMAXA