SONY KUMARI
Sharjha,UAE
Summary
Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organised in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs. High-achieving Credit Controller offering quality-minded and customer-driven approach.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work history
Credit Controller/ Customer Service
Trust Group
Sharjah, UAE
04.2023 - Current
- Experienced in Customer service and credit management for a period of 4 years, to include training, buddy up new employee, outstanding productivity to achieve excellent results for both SME and Retail for RAKBANK.
- Processes good communication skill and client management, Dispute handling.
- Responsible for customer support on calls and arranging meeting also coordinating with Bank.
- Responding e-mails, calls and faxes from client & Bank management for SME and Retail (RFL, RAKFIN, EXPAT, CC) clients.
- Handling High Network Clientele for day to day banking need and services.
- Receive and respond to customer account inquires on credit balance, outstanding Amount, transaction details ,statement , fees and charges.
- Verify all associated client and business Documents (ID, PP, Trade License, partnership Deed, MOU).
- Assist in clearance and update on AECB report (Al Etihad Credit Bureau).
- Responsible for complete assistance to client with professionalism and best phone practices. Facilitating customer with settlement of account and legal assistance coordinating with Bank.
- Regular update on CRM for present status.
- Receiving all bounced cheques update from Legal Team (civil or criminal status, cheque execution).
- Responsible for follow up with client for meeting and counseling.
- Conducted meeting with Banker and responsible department for client in special cases.
- Attending client in person to discuss company policy and product, sorting any complaints or dispute.
Collections Associate
Derby Group
Sharjah, UAE
04.2018 - 03.2021
- SME and Retails client profile for ADCB & ETISALAT.
- Regular follow up and update Inbound and outbound calls on CRM following up for account clearance and MSP/SP.
- Uploading all new accounts Data on CIM.
- Send bulk email from outlook monthly update to client.
- Prepare report in excel for supervisor review for and update on accounts.
- Contacting customers and informing them of their overdue bills matching company policy and bank agreement.
- Advising customers on their payment options and suggesting methods of payments, suggest 6/m up to 12/m scheduling settlement.
- Preparing notice to customers as per policy when required.
- Responding to customer queries, documents verification and tracing right party for account settlement.
- Prepare weekly reports of (overdue debts – new accounts achievements and results – calls).
Ground Staff (Internship & Training)
IGI Airport
Delhi, India
05.2018 - 09.2018
- Greeting and welcoming passengers, and responding to questions.
- Check in passengers and verify Boarding pass.
- Making reservations.
- Booking airline tickets.
- Assisting Crew for on time departure.
Customer Service Representative
Vodafone
Ranchi, India
02.2014 - 03.2015
- Attend inbound calls and inquiries, respond email.
- Check status for customer request in IDS and update in CRM.
- Sharing product information and new offers.
- Sending bulk SMS weekly offer.
- Resolve dispute on same call with customer satisfaction feedback.
- Guiding customer to use online services and offers activation.
- Excel report for daily task and highlighted new queries by customer to update supervisor.
Sales & Customer Service Assistant
Hicon
Ranchi, India
09.2012 - 09.2014
- Australian process for Bluetone Internet services.
- outbound calling on leads for service activation.
- Meeting DRR.
- preparing contracts and orders form.
- recommend special packages for International calling.
- Team work and be collaborative to reach target.
Education
Bachelor of Science - Physics
ISBM University
India 03.2018 - 03.2020
Higher National Diploma - Aviation(CSTM)
FrankFinn
India 01.2018 - 02.2019
Diploma of Higher Education - Science
RTC High school
India 03.2009 - 03.2011
Skills
- Credit analysis
- Credit risk management
- Loan documentation
- Loan recovery processes
- Issue review
- Billing query resolution
- Credit reviews
- Billing inquiries
- Customer Relations
- Delinquency monitoring
- Financial statement review
- Loan recommendations
- Documentation preparation
- Financial Management
- Collections understanding
- Processing payments
- Revenue Generation
Languages
English
Fluent
Hindi
Native
Urdu
Advanced
Malayalam
Intermediate
Bengali
Elementary
Arabic
Beginner
Certification
Customer Service
- Certified [Job Title], [Company Name] - [Timeframe]
Additional Information
I am self-motivated, reliable and hard working person. Also adaptable to all challenging situations. I am able to work well both in a team environment as well as using own initiative. I am able to work well under pressure and adhere to strict deadlines.
Timeline
Credit Controller/ Customer Service
Trust Group
04.2023 - Current
Ground Staff (Internship & Training)
IGI Airport
05.2018 - 09.2018
Collections Associate
Derby Group
04.2018 - 03.2021
Bachelor of Science - Physics
ISBM University
03.2018 - 03.2020
Higher National Diploma - Aviation(CSTM)
FrankFinn
01.2018 - 02.2019
Customer Service Representative
Vodafone
02.2014 - 03.2015
Sales & Customer Service Assistant
Hicon
09.2012 - 09.2014
Diploma of Higher Education - Science
RTC High school
03.2009 - 03.2011
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