LAKSHMI SIVAPRASAD
Dubai
Summary
I am a dynamic and result oriented banking professional with 7 years of experience in various departments of bank(Credit,Operations &Collections).I achieve targets using problem-solving mindset, forming practical solutions to help customers comply with repayment plans. I am a diplomatic communicator maintains professionalism and tact when navigating heated discussions.
Overview
6
6
years of professional experience
Work History
Collection Officer
National Bank of Ras Al Khaimah
01.2019 - 04.2019
- Accurate tracking of collection activities and progress reports in LOS application .
- Addressed and resolved customer disputes to support favourable collection rates.
- Trained new team members on scripts, company services and performance strategies and provided mentoring.
- Performed customer credit checks and advised on credit limit adjustments.
- Maintained high volume of calls to meet demands of busy group.
- Negotiated customer repayment plans, consistently maximising early payments to reduce debt recovery time.
- Delivered exceptional customer service on all calls while maintaining calm and professional demeanour in challenging circumstances.
- AECB (Al Etihad Bureau) checks and RB5 (Central Bank of UAE) checks were performed for restructured accounts and reports of same was handed over to the senior management.
- Re structuring of RFL,Personal Loan and Credit Cards were handled.
- Contact Point Verification was done on restructured cases and ensured all the documents including the security cheque provided by the customers are valid.
Operations Analyst. Central Operations
National Bank of Ras Al Khaimah
11.2014 - 12.2018
- Ensured that financial transactions were in line with directives issued by Central Bank
- Verification of documents pertaining to financial transactions provided by customers (Cheques and TT clearance on day to day basis)
- FTP upload of cheques and SI documents to Central Bank server on daily basis
- Cheques and other financial instruments were scanned for clearance on daily basis
- Ensuring returned cheques and other documents were sent to their respective branches.
- Resolve Customer complaints/Issues raised to Operations Promptly and effectively.
- Verifying productivity data of Central operations staff.
CPV Analyst
National Bank of Ras Al Khaimah, PB Credit, Dubai Silicon Oasis
07.2013 - 10.2014
- Appropriate Front End checks were done as per CPV Document.
- Blacklist Checks and World Check were done for all approved files.
- Handle administrative work assigned for PB Credit department.
- Train newly recruited CPV Representatives.
- Perform any duties that may be entrusted from time to time by department.
Education
Master of Commerce - Marketing
University of Calicut
Kerala,India01.2023
Bachelor of Business Administration - Marketing
University of Calicut
Kerala,India04.2013
Our Own English High School
Sharjah03.2010
Gulf Asian English School
Sharjah, UAE03.2008
Skills
- Strong Leadership Skills
- Ready to accept challenging works
- Payment plan negotiation
- Inbound and outbound calls
- Repayment plan negotiating
- Visionary leadership
- Account reconciliations
- Collection progress reporting
- CRM systems experience
- Excel proficiency
Additional Information
- Visa Status : Visit Visa, Passport : U2393511
Languages
English
Proficient
C2
Hindi
Intermediate
B1
Malayalam
Bilingual or Proficient (C2)
Timeline
Collection Officer
National Bank of Ras Al Khaimah
01.2019 - 04.2019
Operations Analyst. Central Operations
National Bank of Ras Al Khaimah
11.2014 - 12.2018
CPV Analyst
National Bank of Ras Al Khaimah, PB Credit, Dubai Silicon Oasis
07.2013 - 10.2014
Master of Commerce - Marketing
University of Calicut
Bachelor of Business Administration - Marketing
University of Calicut
Our Own English High School
Gulf Asian English School
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