FinTech Trade Finance Receivable

Joselito Concepcion Fañgonilo

#**, ***** ****** *** * Subdivision Parañaque City 1713

Mobile Phone: 091********

Email: *************@*****.***

Professional Experience

Rank/Job Title: Accounts Officer

Employer’s Name: Acudeen Technologies Inc. -is a Fintech company enabling small and medium enterprises (SMEs) to finance their receivables ahead of time through Trade Finance Receivable

Starting and ending dates: February 5, 2017 – Present Duties: Helping small businesses access the cash they need, when they need it. Connect small businesses with the working capital they need to maintain or grow their operations. Guide clients through their onboarding on the platform and ensure they have a five-star experience. Build and maintain strong, long-lasting client relationships via excellent client service. Deliver consistent and timely responses, follow-through, and follow-up in response to client requests and issues. Maintain a client roadmap for credit increases and other service enhancements. Help clients with basic product related questions and troubleshooting scenarios. Serve as the liaison between clients and our underwriting/vetting agent. Follow up with clients to gather additional information or ask clarifying questions. Perform invoice eligibility, verification and debtor notifications. Ensure company profitability

Rank/Job Title: Agent Sales Executive

Employer’s Name: Ascend eCommerce Philippines Inc. / Truemoney Philippines Inc. Starting and ending dates: June 15, 2016 – January 30, 2017 Duties: Identify & develop new business opportunities in Cavite, Laguna and Batangas. Establish/build long term efficient relationship with new and existing clients. Develop and manage new and existing clients by providing high caliber of service, explore and identify all their needs. Manage customers’ needs / expectation in line of company guidelines to ensure win-win relation. Ensure clients have positive experience by communicating effectively pre-and post-deal process. Manage and maintain sales/ client’s database. Act effectively as team player with company management / colleagues taking proactive role in improving overall company performance. Help the unbanked with their financial transactions.

Rank/Job Title: Relationship Manager

Employer’s Name: Malabon Diesel & Diesel King

Starting and ending dates: August 4, 2015 – April 6, 2016 Duties: Responsible for generating, cultivating and maintaining profitable relationship with Nissan

& Isuzu dealership for diesel calibration services. Responsible for identifying soliciting, developing and maintaining desirable new dealership accounts nationwide. Responsible for sales of Bosch Automotive aftermarket parts and equipment. Supervises 4 Relationship Officers for Malabon Diesel, Diesel King and Malabon Diesel Pampanga.

Rank/Job Title: Fraud Specialist

Employer’s Name: Synchrony Global Services Philippines Inc. Starting and ending dates: October 13, 2014 - July 30, 2015 Duties: Resolve inbound calls from customers to verify transactions on respective accounts that have been flagged as suspicious. Process lost/stolen reports for customers accurately to ensure mitigation of fraud loss. Handle calls from retail partners/customers concerning referred credit applications. Strictly adhere to all compliance, regulatory and internal business procedures. Provide exceptional level of customer interaction. Meet or Exceed call quality metrics while also balancing average handle time/ productivity metrics. Make outbound calls/verify transactions on accounts which have been identified as suspicious. Adhere strictly to compliance and operational risk controls in accordance with the bank and regulatory standards including USA PATRIOT Act and Bank Secrecy Act requirements. Working knowledge of Lexis-Nexis, Innovis, Eport. and Apple Pay. Handles inbound calls for: Credit card applications, Lost and stolen credit cards, Fraud detection transactions

Rank/Job Title: Level 3 Customer Service Representative for AT&T U-verse Blue Billing & Sales Employer’s Name: IBEX Global Solutions Philippines Inc. - Alabang Starting and ending dates: May 26, 2014 - October 12, 2014 Duties: Successfully answer billing inquires for AT&T U-verse Blue and cross sell U-verse products via a phone system. Obtain appropriate resolution on customer account. Adjust fees in accordance with company policy.

Rank/Job Title: Manager/Product Officer - Small Business Loans (SBL) Department Employer’s Name: United Coconut Planters Bank

Starting and ending dates: October 16, 2012 - March 30, 2014 Duties: Responsible for monitoring, identifying, soliciting, developing and maintaining desirable accounts. Leads 55 provincial branches for SBL products nationwide:

South Luzon - 18 branches

Visayas - 21 branches

Mindanao - 16 branches

Prepares credit offer of the bank and, as such, is responsible for generating, cultivating and maintaining profitable banking relationship with customers with in an assigned market group or geographic service area. Prepares loan recommendation / approved is of adequate quality, properly, and desirable for the bank's loan portfolio. Responsible for the sourcing of the appropriate credit investigation reports, the borrower's financial statements, and any updates which shall have tearing on making the credit decision. Responsible for the proper and adequate documentation of an approved credit account. Responsible to re-evaluate the existence and value of collaterals held to secure a credit risk and to any change which may adversely affect the interest of the bank. Rank/Job Title: Assistant Manager/Account Officer -Small and Medium Enterprise (SME) Loans Employer’s Name: BPI Family Savings Bank

Starting and ending dates: November 2010 - October 2012 Duties: Responsible for identifying soliciting, developing and maintaining desirable accounts within an assigned industry or geographic area of responsibility. Assist the distribution channel for sales of SME Loan products of 18 Metro Manila branches with 5 relationship managers. Prepares credit offer of the bank and, as such, is responsible for generating, cultivating and maintaining profitable banking relationship with customers with in an assigned market group or geographic service area. Prepares loan recommendation / approved is of adequate quality, properly, and desirable for the bank's loan portfolio. Responsible for the sourcing of the appropriate credit investigation reports, the borrower's financial statements, and any updates which shall have tearing on making the credit decision. Responsible for the proper and adequate documentation of an approved credit. Responsible to re-evaluate the existence and value of collaterals held to secure a credit risk and to any change which may adversely affect the interest of the bank. Responsible for culling of any outdated material or any item extraneous to a proper understanding of the account relationship. Job Title: Customer Service Executive

Employer’s Name: HSBC-Electronic Data Processing Philippines Inc., Starting and ending dates: June 2008 - October 2010 Duties and accomplishments: Successfully collecting delinquent accounts and develops the skills that are required to meet the expectations of a collector. Contact delinquent customers via a phone system to obtain payments and or negotiate appropriate resolution on customer account. Adjust fees in accordance with company policy. Review and analyzes financial situation and arrange repayments programs within procedural criteria verifies and updates customer account information. Maintains documentation for all customer contact via online collection system. Job Title: Junior Assistant Manager - Personal Loans Department Employer’s Name and Address: Banco de Oro

Starting and ending dates: November 2007 - April 2008 Duties: Assist the distribution channel for sale of Personal Loan products of 67 branches. Supervises 14 sales counselors to formulate and implement business strategies. Ensure the high quality of service to external and internal clients, as well as output expected. Effectively monitors and maintain production reports to be able to fine-tune sales strategies. Ensures that all branch processes, transactions, documentation, operation, decisions adhere to bank policies and government regulations. Responsible to information dissemination on product updates, special promo rates, and modifications in other document requirements and parameters. Job Title: Assistant Branch Head

Employer’s Name: E-Business Services, Inc Philippines- Authorized agent of Western Union. Starting and ending dates: March 2006 – November 2007 Duties: Supervise and ensures that all branch processes, Western Union transactions (domestics and foreign remittance), documentation, operation and decisions adhere to company policies and government regulations. Provides inputs to all service levels within the branch, processing related requests, ensure these are meet, and consistently tested for possible improvement. Job Title: Marketing Assistant - Personal Loans Division Employer’s Name and Address: Philippine Savings Bank Starting and ending dates: August 2004 - March 2006 Duties: Directly coordinates with 27 corporate accounts and subsidiaries the likes of: Caltex, Concepcion Carrier, Pascual Laboratories, etc to develop, formulate and implement business strategies, ensures the high quality of service to external and internal clients, as well as output expected, accurately and efficiently handles special arrangements as requested by corporate clients. Effectively monitors and maintain production reports to be able to fine-tune sales strategies. Ensures Salary deduction loan is with credits parameters and credit line of the company. Ensures releasing of loan proceeds, and payments are within corporate accounts M.O.A. Education

College or Universities

Name and City: De La Salle University - College of Saint Benilde, Manila. Major: Hotel, Restaurant and Institution Management. Type and year of Degree received: Bachelor of Science in Arts and Business Studies, 2001.

Achievements:

Awarded medal of loyalty.

First honor certificate school year 2001 1st semester.

Student Council - Legislative representative of HRIM batch 1998 for school year 2000.

High School& Elementary

Name and City: De La Salle Santiago Zobel, Muntinlupa Date of diploma: March 28, 1998

Achievements:

Loyalty certificate.

Various third honor certificates.

Co-captain for the track and field varsity team.

UAAP bronze medal title for the 3,000 meters.

Bronze medal for the 1,500 MunTaPat meet.

Representative for the inter La Salle Sports Festival 1996 - La Salle Bacolod.

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