To Whom It May Concern:
Enclosed herewith please find my personal resume which contains details for your review and consideration. Long hours and hard work do not intimidate me in the least. My previous work experience has allowed me to further develop my abilities as well as enhance my communication skills with customers. I am accustomed to working within a fast-paced environment where managing multiple tasks simultaneously is a normal, daily activity.
I welcome the opportunity of making a valuable contribution as a member of a successful team that runs the entire department and I am confident that I can fulfill the demands of a qualified position available within this area.
Looking forward to discuss my qualification further in the context of a personal interview, I thank you in advance for your time, effort and speedy response.
Niraj shah, 3 Christy lane, OCEAN, NJ-07712 732-***-****
Seeking a career challenge where experience in Collection &Finincial services will enable me to contribute to a company’s objectives, desire career growth based on performance & accomplishment.
07/2007 to Currant Eatontown,NJ
Completes store operational requirements by scheduling and assigning employees; following up on work results.
Maintains store staff by recruiting, selecting, orienting, and training employees.
Maintains store staff job results by coaching, counseling, and disciplining employees; planning, monitoring, and appraising job results.
Achieves financial objectives by preparing an annual budget; scheduling expenditures; analyzing variances; initiating corrective actions.
Identifies current and future customer requirements by establishing rapport with potential and actual Mall employees & customers.
Design and distribute monthly promotion, coupons for mall employees.
Formulates pricing policies by reviewing merchandising activities; determining additional needed sales promotion.
Manage all state lottery related operations, instant ticket promotions, lottery commission reporting.
11/2000 05/2007 * Sr.Collector
7 years of professional experience with Third party collection agency worked for Bank of America, Citibank, American express, Private label store credit cards, Canada student loan etc.
Monthly goal achieved or exceeded.
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 and dialer software.
Utilize computer systems and other online services to handle skip tracing.
Attempt to collect payment in full.
Send settlement letters and other communication as per FDCPA
Be complainant as per FDCPA, Ensure all customer information is correct, including phone numbers and addresses.
Finalize best negotiation option as per customer financial resources.
Set up repayment plans and settlement as per client policy.
Offer advice or refer customers to debt counselors.
Update Customer screen with notes, commitment & discussion for future follow up.
Send statements of delinquencies to credit bureau.
Also worked as Supervisor for WFFNB Private Label credit card client.
HANSON PUBLICATION Totonto,Canada
01/2000 to 11/2001 * Telemarketing
Advises present or prospective customers by answering incoming calls on a rotating basis; operating telephone equipment, automatic dialing systems, and other telecommunications technologies.
Influences customers to buy or retain product or service by following a prepared script to give product reference information.
Documents transactions by completing forms and record logs.
Achieve sales target and daily call target of 125 calls per day.
GOLDFARB CONSULTANT (Part time) Research Interviewer, Toronto, Canada
3/2001 to 4/2007
Achieved daily survey completions goals
Overcome respondent objections and survey obstacles
Exhibit a high rate of dialing (manual & auto dialing)
Read and record 100% verbatim
Open to receiving feedback and applying the feedback to the job
Complete as many recruits as possible
Be upbeat and positive with respondents
Have positive body language
Ge-Countrywide Consumaer Finiancial Services (Ge capital ) Baroda,India
6/1996 To 12/1999 *Collection Manager
Joined Countrywide as a field sales excutive in June,1995 and promoted as a collection manager .Responsible for daily collections operations for all 3 branches .Manage and achieve delequancy target for each brnch and region .Assign all deliquant accounts to collection agency as per level of delequance.Provide support to call center team and reposition agents. Monitor call center operations and ensure high quality of services. Ensuring the team is well equipped, well trained, and motivated to meet the service level agreement of the company. Analyze processes and recommended new technologies for incorporation in system. Present monthly/quarterly performance in the monthly review meetings. Work closely with legal department for sending legal notice, auction of repossessed items.
Achievements: Achived best sales person award june.1995,3 times extra miller award in 1997 for most cost effective branch in entire country.
Bachelor of business administration (Finance and Marketing)
Sardar Patel Univercity, Anand,Gujarat,India
*MS WORD, Excel, PowerPoint.