Ramadan Mohamed Abdelltif
Dubai
Summary
Results-driven Credit and Debt Collection Specialist with experience in managing high-volume accounts, negotiating payment solutions, and ensuring timely debt recovery while maintaining positive client relationships. Skilled in using CRM and collection tools to track performance, reduce delinquency, and support business goals. Adept at handling escalated cases, resolving disputes professionally, and achieving recovery targets under pressure. Committed to ethical collection practices and delivering a customer-focused approach to debt resolution.
Overview
14
14
years of professional experience
Work History
Collections Officer
ABC PLRS DEBT COLLECTION
05.2024 - 09.2024
- Managed FAB BANK Recovery portfolio.
- Contacted customers via phone, email, and SMS to negotiate repayment plans, settlements, and loan restructures.
- Maintained accurate and up-to-date records of interactions, payments, and follow-ups in CRM systems.
Collections Manager
Debt Track for Collection
01.2023 - 02.2024
- Handled end-to-end recovery processes for the Banque Misr portfolio, covering various buckets (soft, hard, write-off).
- Managed delinquent accounts across diverse retail products including Personal Loans, Auto Loans, Credit Cards, Mortgage, and Microfinance.
Debt Recovery Specialist
Standard Quad Debt Collections LLC
10.2024 - Current
- Managing the Emirates NBD portfolio.
- Negotiated payment arrangements with customers, ensuring compliance with banking regulations and company policies.
- Resolved customer disputes amicably, improving customer satisfaction and retention rates.
- Conducted credit risk analysis to assess borrower repayment capabilities and recommend suitable recovery strategies.
- Handled customer support queries with professionalism, providing timely resolutions to inquiries and complaints.
- Maintained detailed records of customer interactions and collection efforts in CRM software.
Collections Team Leader
BANKERS EGYPT COLLECTION & APPRAISAL COMPANY
07.2011 - 08.2017
- Managed recovery operations for Arab African International Bank (AAIB) across various delinquency buckets, including early-stage, mid, and write-off accounts.
- Oversaw collections for Personal Loan and Auto Loan products, ensuring recovery efforts aligned with internal policy and Central Bank regulations.
- Contacted delinquent customers via phone, email, and field visits to negotiate payment plans, settlements, or restructuring options.
Collections Supervisor
THE EGYPTIAN COMPANY FOR SERVICES & COLLECTIONS LTD
02.2018 - 12.2022
- Handled collections and recovery operations for Abu Dhabi Islamic Bank (ADIB) across multiple delinquency buckets, including soft, hard, and write-off stages.
- Managed a diverse portfolio of Islamic finance products: LME (Liability Management Exercises), MCF (Murabaha Consumer Finance), and CBC (Credit-Based Cards).
Customer Care Agent
Vodafone
07.2011 - 08.2017
- Handled high volumes of inbound and outbound customer interactions via phone, email, and chat with a focus on service excellence.
- Resolved customer complaints, billing queries, and service requests efficiently while maintaining high customer satisfaction scores.
Education
Bachelor - Social Services
The Higher Institute of Social Service
11.2009
Skills
- Effective Communication
- Negotiation
- Customer Service
- Time Management
- Team Collaboration
- Attention to Detail
Personal Information
Title: Debt Collection Representative
Timeline
Debt Recovery Specialist
Standard Quad Debt Collections LLC
10.2024 - Current
Collections Officer
ABC PLRS DEBT COLLECTION
05.2024 - 09.2024
Collections Manager
Debt Track for Collection
01.2023 - 02.2024
Collections Supervisor
THE EGYPTIAN COMPANY FOR SERVICES & COLLECTIONS LTD
02.2018 - 12.2022
Collections Team Leader
BANKERS EGYPT COLLECTION & APPRAISAL COMPANY
07.2011 - 08.2017
Customer Care Agent
Vodafone
07.2011 - 08.2017
Bachelor - Social Services
The Higher Institute of Social Service