Dear Sir/Madam,

RE: Full-Time Employment (Banking and finance sector)

I am interested in working within the banking institute and Finance sector companies as a full-time and I believe given the opportunity, I would make an invaluable asset to the team as I possess many skills and qualities that are sought after within this industry.

I have over Six years of professional working experiences within the banking and finance sector in Dubai and Sharjah, The United Arab Emirates. Firstly, I am highly experienced in sales, marketing, customer-service and collection roles and can work effectively in a fast-paced environment. I also have excellent knowledge of the banking’s operational and financial procedures and standards, and I can successfully transfer this knowledge within the private sector companies. I also have outstanding interpersonal skills and can confidently liaise with people from all ages, backgrounds and cultures.

I am also ambitious, conscientious, goal and targeted-orientated and I would be most grateful if I were to give the opportunity to work within the company. Thank you kindly for your consideration and I can be contacted on +971-***-***-*** if you would like to ask further questions.

Regards,

Mohammed Zaki Al Jaja

Mohammed Zaki Al Jaja

Mobile: +971-**-*******, Address: Dubai, The United Arab Emirates

E-mail: ac2893@r.postjobfree.com:ac2893@r.postjobfree.com:ac2893@r.postjobfree.com

CAREER OBJECTIVES

Seeking a challenging position in an organization, where I can apply the significant gained knowledge and hands-on experience in Sales, Customer Service and Relationship Management

EDUCATION

2009 - 2010 Emirates Institute for Banking and Financial Studies

Sharjah, UAE

Diploma in Banking and Finance

Subjects:

●Accounting

●Finance

EMPLOYMENT HISTORY

2013 – Present RAKBANK (Collector and Recovery officer) Dubai, UAE

Outperforming allocated performance targets.

Handling collection team member to ensure overall achievement.

Maintain a close relationship with all the product’s collections team with respect to problematic accounts.

Reviewing customer’s salary transfer, keep track on the same until recovering the overdue liability & other operation activities if required.

Handling extreme risk accounts for credit cards & loans ( High Bucks) • Settling customer’s credit card & loan by giving them appropriate settlement either short settlement plan or monthly payment reschedule, as per the terms & conditions of the liability

Collect payments on past due bills.

Create a list of people who have not made payments.

Organize list according to severity of delinquency.

Locate customers using credit bureau information, background checks, loan documents, and other paperwork or databases.

Call customers using telephone.

Utilize computer systems to handle skip tracing.

Inform clients of overdue accounts and amount currently owed.

Attempt to collect payment.

Review terms of sale or loan documents.

Ensure all customer information is correct, including phone numbers and addresses.

Listen to customer's story and determine if debt can be collected.

Set up repayment plans and new terms of sale.

Offer advice or refer customers to debt counselors.

Record new commitment to repay debt.

Send statements of delinquencies to credit bureau.

Initiate repossession proceedings or hand over account to law practice that specializes in debt collection.

Purge records if debt has been satisfied.

Report satisfied debts to credit bureaus.

Follow federal and state laws dealing with debt collection.

Print reports for management.

Purge records from deceased people.

2010 – 2012 Hadaf Alkhaleej Debt Collection (Collector) Sharjah, UAE

●Outperformed allocated performance targets by 20% on a regular basis

●Located and notified customers of delinquent accounts by mail, telephone, or personal visits in order to solicit payment

●Received payments and post amounts paid to customer accounts

●Located and monitored overdue accounts, using a variety of automated systems

●Evaluated accounts and determined appropriate collection strategies

●Analyzed and maintained record of information about financial status of customers and status of collection efforts

●Maintained knowledge on all standard operating procedures

●Ensured compliance to all regulations for collection procedures

●Assisted to reduce delinquency and negotiate on payment schedules

2010 – 2010 Mashreq Bank (Sales Officer) Dubai, UAE

●Worked in IPO Management System for Du Rights Offer

●Prospected and identified new leads and made pitches to the clients

●Strategized and implemented ways to promote and achieve sales targets for Du shares

●Successfully closed deals with customers

2007 – 2008 Alserkal Avenue (Event’s Organizer) Dubai, UAE

●Worked as an event organizer for a number of high profile art and entertainment events

●Managed, planned and conducted sales activities

●Prepared and submitted sales reports and other related documents in line with sale procedures

2006 - 2006 Etisalat(Call Center Agent ) Ajman, UAE

●Analyzed call center statistical data to measure staff performance; identified areas for improvement

●Handled high volume of incoming calls; fulfilled customer requests by clarifying desired information; completed transactions; forwarded requests

●Resolved problems by clarifying issues; researched alternative solutions; escalated unresolved problems

●Sold additional services by recognizing opportunities to up-sell accounts

●Maintained call center database by logging and storing customer requests

PROFESSIONAL SKILLS

●Excellent computer skills: MS Office, Banking software packages

●Exceptional customer orientation and service Highly organized and flexible with ability to prioritize work and design plans

●Ability to work in a team fostered and multicultural environment

●Ability to work under pressure to meet targets and deadlines Excellent communication skills and telephone etiquette

●Hands-on supervisory skills

PERSONAL QUALITIES

●Ambitious

●Determined

●Quick-learner

●Motivated

●Confident

LANGUAGES

●English

●Arabic

INTERESTS

●Body Building

●Health and Fitness

●Music

REFEREES

Available on Request

Contact this candidate