Khola Ishtiaq
Sharjah
Summary
I am passionate about joining a forward-thinking organization that offers a dynamic and challenging environment, promoting both professional growth and career advancement. My dedication lies in delivering exceptional results and propelling success through merit and performance. With a sharp focus on reaching key milestones, I am well-equipped to excel in a role that recognizes and rewards commitment and achievements.
Visa Status: Valid UAE Residence Visa – Spouse Sponsorship
Overview
11
11
years of professional experience
Work History
Collections Executive
Al Tamayez Debt Collection LLC
Sharjah
2024.12 - 2026.05
- Skilled Negotiator: Effective communication to secure payment arrangements with debtors.
- Problem-Solving Expertise: Resolves disputes and manages challenging interactions adeptly.
- Customer Relationship Pro: Skilled at engaging with varied clients and assessing their financial profiles.
- Time Management Savant: Prioritizes and organizes tasks for optimal workflow efficiency.
- Data Analysis Competency: Analyzes delinquent accounts to formulate strategic collection approaches.
- Achieved debt collection targets in line with agreed deadlines.
- Confirmed payment arrangements and finalised customer payment dates and contact information.
- Collaborated with team members to achieve monthly collection targets and improve department efficiency.
Debt Collector
Derby Debt Collection Company
Sharjah
2023.05 - 2024.11
- Developed customized debt repayment plans aligning with individual financial profiles.
- Persistently pursued delinquent accounts via email and phone communications.
- Advised customers on resolving outstanding debts.
- Employed advanced investigative methods to track down hard-to-reach debtors.
- Ensured consistent follow-ups to secure compliance with agreed payment plans.
- Managed inbound calls, prioritizing complaint reduction and customer satisfaction.
- Conducted over 60 targeted outbound calls daily to expedite debt collection processes.
- Mentored new hires in mastering collection tactics and customer engagement strategies.
- Streamlined training for newcomers, enhancing team efficiency and collection efficacy.
Banking Services Officer
Muslim Commercial Bank Limited
Islamabad, Pakistan
2021.10 - 2022.10
- Managed comprehensive general banking operations, including Account Openings, Cash Management, Sales, and Loan Recovery.
Customer Relationship Officer
Bank Alfalah Limited
Islamabad, Pakistan
2015.04 - 2021.09
- Managed new and existing client accounts, ensuring efficient onboarding and maintenance.
- Delivered exceptional customer service, effectively resolving complaints and inquiries.
- Maintained an accurate and up-to-date customer database.
- Processed cheque clearances for both inward and outward transactions.
- Handled inward and outward foreign remittances with precision.
- Conducted fund transfers, issued banker's cheques, and executed RTGS transactions.
- Kept meticulous records of security stationery to ensure accountability.
- Performed cash handling duties and ATM balancing with high accuracy.
- Demonstrated proficiency in completing tasks within designated Turnaround Times (TATs).
Education
B. Com - Commerce
Punjab University
Kharian, Pakistan2014-01
HSSC - Science Gen
FBISE
Gujrat, Pakistan2009-01
SSC - Science
FBISE
Sarai Alamgir, Pakistan2007-01
Skills
- Customer Database
- Internal Audit
- Cash-handling
- Branch Administration
- All Branch Operations
- Customer relationship management
- Debt collection techniques
- Microsoft Excel
- Negotiation strategies
- Complaint resolution
Languages
English
Urdu
Timeline
Collections Executive
Al Tamayez Debt Collection LLC
2024.12 - 2026.05
Debt Collector
Derby Debt Collection Company
2023.05 - 2024.11
Banking Services Officer
Muslim Commercial Bank Limited
2021.10 - 2022.10
Customer Relationship Officer
Bank Alfalah Limited
2015.04 - 2021.09
B. Com - Commerce
Punjab University
HSSC - Science Gen
FBISE
SSC - Science
FBISE