Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

CURRICULUM VITAE – FRANCOIS DE ROUBAIX

PERSONAL DETAILS:

FULL NAME Francois

SURNAME de Roubaix

RESIDES

Centurion, happy to commute to Johannesburg on a

daily basis

DATE OF BIRTH 26th January 1980

MARITAL STATUS Married (Two dependants)

DRIVERS LICENCE Code 08, own transport

NATIONALITY South African

RACE & GENDER White Male

NOTICE PERIOD 30 Days (Negotiable)

CONTACT INFO

TERTIARY EDUCATION:

francoislanielisa.gmail.com; 071-***-****

INSTITUTION UNIVERSITY OF JOHANNESBURG (RAU)

QUALIFICATION National Diploma: Paralegal, 2008

INSTITUTION OOS - MOOT HIGH SCHOOL

QUALIFICATION Matriculated, 1998

OTHER:

• Magistrates Court Act

• National Credit Act

• Usury Act and Exemption Notice

• Prescription Act

• Law of Contract

COMPUTER SKILLS:

- Intermediate to advanced MS Office Skills as well as in-house banking and other company packages

- TALLYMAN

- EXACTUS

- CS Workflow

- SYBRIN

- BANCS

- Fincloud

- Compuscan

- Swordfish

- Excallabur

- ITC

Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

EMPLOYMENT HISTORY:

Company Name : Select Financial Services

Position : Regional Collections Manager, Swaziland Duration : March 2021 - Current

Duties and Responsibilities:

1. Maintain oversight over all regional payment and collections activities and assist local CEO’s and collections heads with training and information to improve their collections success. 2. Administration and supervision of the collections and payments processes at a national level in support of the Head of Credit & Risk.

3. Make use of data analysis to identify collections and payment inefficiencies; to recommend and implement best practice collections processes to correct it and to implement collections strategies, policies, procedures and campaigns.

4. Speed up the reaction times on failed collections and implement appropriate recovery and activation strategies including external debt collections, trace and legal actions. 5. Ensure that all uncollectable debt is appropriately motivated and timeously written off after all efforts to collect outstanding amounts has failed.

6. Performance manage all external collections partners or EDC’s in line with signed SLA’s to ensure efficient activations of non-performing accounts.

7. Interpret collection information and recommend appropriate remedial actions based on the interpretation of such information.

8. Form the bridge between group management and local or regional management and motivate and influence teams to perform at required levels.

Key Deliverables of the Regional Collections Manager 1. Oversee local early-stage collections teams to achieve targeted strike rates on collections from source, either from payroll or bank debit orders.

2. Ensure failed collections are analysed and categorized timeously and appropriate actions to collect are put in place and followed through by the local collection’s teams. 3. Ensure local early-stage collections teams are properly performance managed to ensure achievement of targeted results.

4. Ensure that local teams are properly trained and skilled to ensure quality collection strategies and client service.

5. Ensure the availability of timeous, accurate and correctly presented information to support business decision making.

6. Maintain responsibility for the following divisions: i. Regional Early Stage or “From Source” collections teams. ii. Integration with the Cash Management team to ensure corrective actions are implemented to collect or activate failed collections accounts.

7. Support the Head of Credit & Risk and COO in interpreting failed collection and arrears information and in the implementation of corrective actions to recover losses and prevent future occurrences. 8. Lead and guide local collection teams to maintain a collections rate as may be determined from time to time.

Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

9. Ensure the correct collections strategies are implemented to maintain loan book impairments at an acceptable rate. The provision for doubtful debt target will be benchmarked from time to time. 10. Ensure that all local teams comply with standard collections procedures. 11. Monitor, review and manage the collections segment and related workflows on the ILS operating system.

12. Source, contract and supervise all collection, trace and legal partners to ensure efficient external collections.

13. Ensure the availability of timeous, accurate and correctly presented information to support business decision making including fortnightly report backs from EDC’s as per SLA. EMPLOYMENT HISTORY:

Company Name : Select Financial Services

Position : Collections Manager, Swaziland

Duration : June 2018 - February 2021

Duties and Responsibilities:

Responsible for overseeing the collections management of the organisation and management of the collections team, as well as monitoring and managing credit risk losses by improving collections ratios.

• Payroll collections to be improved and maintained.

• Improve Debit order collections on a consistent basis.

• Strive to improve arrears to levels below 3%.

• Strive to improve provision levels below 6%.

• Ensure the correct collections strategies are implemented to maintain loan book provisions at the agreed rate.

• Ensure failed regional collections are analysed and categorised timeously and appropriate actions to collect is put in place and followed through by the local collection’s teams.

• Support the CEO, Regional Collections Manager and Head of Credit & Risk in interpreting failed collection and arrears information and in the implementation of corrective actions to recover losses and prevent future occurrences. Relationship management:

• Ensure that sound relationships are created and maintained with key staff and management at the payrolls of all ministries, counties and private entities which Select deals with, as well as with external service providers.

• Ensure that the names, contact numbers and details of all interactions are documented, indexed, and preserved.

• Ensure that relationships are structured to ensure that there is a high level of redundancy (back up) through ensuring that the relationships exist across a broad set of Select staff members.

• Ensure that all categories of arrears are equitably and timeously monitored, managed and reported on, and that the data, process and results are well documented, indexed and preserved.

• Ensure that all relevant performance and management data is timeously and accurately collected, collated, analysed, and disseminated. Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

• Compile the daily, weekly, monthly and ad-hoc collections reports to be presented during the monthly Exco and other forums.

• Prepare reports and presentations as required by Executive management and other stakeholders.

• Ensure the availability of timeous, accurate and correctly presented information to support business decision making.

Management of Collections staff:

• Provide leadership, guidance and training to develop management personnel and ensure the transference of skills and efficient achievement of strategic goals and objectives.

• Ensure that all collections staff receive regular, documented coaching sessions.

• Ensure that all collections staff are adequately trained and skilled to ensure quality collection strategies and client service.

• Ensure that each staff member is monitored and managed daily against an agreed upon set of measures, and that the process and results are well documented, indexed and preserved.

• Ensure the monthly submissions for write-offs have the required information and are based on the write-off policy.

• Maintain fluency in product knowledge, the loans management system and collections procedures necessary to carry out collections processes and conducting client interviews.

• Formulate and ensure the implementation of plans, policies and procedures in an effort to optimize collections.

• Recommend strategies for improving operations of the department. EMPLOYMENT HISTORY:

Company Name : Macrobert Attorneys

Position : Manager: Collections Call Centre Manager Reason for leaving : Employment Contract Expires

Duration : Nov 17 – May 2018

Duties and Responsibilities:

• Team Management - manage by walking around.

• Be visible to answer questions.

• Take calls that your agents can't handle and be available when an agent appears to need assistance.

• Monitor queue and track inbound calls.

• Keep agents aware of inbound calls, calls waiting, abandonment rate, etc.

• Motivate and encourage agents through positive communication and feedback.

• Keep track of attendance, daily statistics, paid time off, sick time, etc.

• Improve collections - Control and manage targets for the team.

• Identify gaps between the set and achieved targets at team and consultant level.

• Provide solutions to meet set targets for the agents Identify and trend of poor performance failures

(training, QA, coaching, etc).

• Support consultants by handling escalated calls.

• Analyse quality reports and KRA performance reports.

• Managing and developing people - Manage Performance of individuals daily.

• Conduct performance reviews and provide feedback.

• Monitor the trends of poor performance.

• Plan, organise and control team operation.

Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

• Leave Planning. Absenteeism.

• Time Management.

• Monitor and analyze team stats.

• Client Service - Resolve high level telephone client queries and escalations.

• Provide feedback to the complaint.

• Escalate queries and complaints to our internal query department.

• Create and maintain productive relationships with internal and external clients by providing advice and assistance.

• Keep the client informed about progress through written communication, telephone communications and meetings.

EMPLOYMENT HISTORY:

Company Name : Sanceda Collections and Getbucks

Position : Manager: Debt Review Operations, Legal, Finance and Administration Orders

Reason for leaving : Retrenched

Duration : Aug 2014 – Oct 2017

Duties and Responsibilities:

• Managing the current paying and non-paying Debt review files / debtors (end to end), including but not limited to:

• Responsible for ensuring that the Debt Review area is delivering according to the business plan and targets / budget are achieved;

• Introduce and maintain productivity measurements within the Debt Review area to measure and report on performance;

• Identify fall offs, non-paying debt review accounts and ensure appropriate plan of action to maximise collections. Ensure the reduction of loss to Sanceda and Getbucks and increase of revenue through collections and recovery;

• Assist in setting and maintain production standards and targets in line with departmental requirements;

• Ensure key performance targets are met in line with business requirements and that collections in this area is effectively maximised;

• Ensure that the debt review area operates in accordance with relevant legislation / governance / regulations affecting the environment;

• Capture required data in order to ensure all systems are up to date and accurate;

• Provide daily statistics as well as weekly and monthly reports in line with departmental requirements to assist management in monitoring the performance of the area (prepare monthly and quarterly collection reports and KPI’s);

• Ensure all required documents are completed, signed and approved within the required timeframes;

• Follow up on payments not reflecting on the system;

• Follow up on and activate debt review default accounts;

• Send COB’s on new accounts;

• Accept/Decline proposals ensuring maximum recoverability for Sanceda and Getbucks and ensure timeous resolution of issues and activation of payment plans;

• Forecast debt review collections for the new month(s);

• Manage payments, and maximise paying files for debt review accounts;

• Manage relationships with relevant debt collectors, and other relevant stakeholders; Complete any other task for successful management of the area. Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

• Managing the current paying and non-paying Admin Order files / debtors (end to end), including but not limited to:

• Responsible for ensuring that the administration order(s) (AO) area is delivering according to the business plan and targets / budget are achieved;

• Introduce and maintain productivity measurements within the AO area to measure and report on performance;

• Identify fall offs, non-paying AO accounts and ensure appropriate plan of action to maximise collections. Ensure the reduction of loss to Sanceda and Getbucks and increase of revenue through collections and recovery;

• Assist in setting and maintain production standards and targets in line with departmental requirements;

• Ensure key performance targets are met in line with business requirements and that collections in this area is effectively maximised;

• Ensure that the AO area operates in accordance with relevant governance / legislation / regulations affecting the environment;

• Capture required data in order to ensure all systems are up to date and accurate;

• Provide daily statistics as well as weekly and monthly reports in line with departmental requirements to assist management in monitoring the performance of the area (prepare monthly and quarterly collection reports and KPI’s);

• Ensure all required documents are completed, signed and approved within the required timeframes;

• Follow up on payments not reflecting on the system;

• Forecast AO collections for the new month(s);

• Manage payments, and maximise paying files for AO accounts.

• Make sure new admin order accounts are listed;

• Follow up on admin default accounts;

• Manage relationships with relevant administrators, and any other stakeholders; Complete any other task for successful management of the area.

• Other areas:

• Assist with the effective management of EDC’s, as well as maximising legal collections.

• Reviewing the effectiveness of EDC’s collection strategies, and make recommendations for maximising

collections in this area;

• Any other tasks pursuant to the effective functioning of the Admin order, debt review and legal collection environments;

• Assist Getbucks with their Debt review process as and when required; on a consultancy basis if needed;

• Deliver a sound Debt Recovery Management culture through awareness of campaigns to influence behaviour and drive the importance of compliance.

• Cultivate and manage objective working relationships with a variety of stakeholders;

• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders; and implement such expert knowledge and best practice within this environment;

• Manage personal development to increase own skills and competencies;

• Improve business decisions by providing accurate and reliable business intelligence

(information) together with analysing trends and data for the debt recovery, admin order and legal collection environments; Adhoc tasks / projects as requested by management Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

EMPLOYMENT HISTORY:

Company Name : DE NOVO DEBT SOLUTIONS

Position : Manager: Operations, Legal, Finance

Reason for leaving : Keen to find a new challenge in a more stable working environment

Duration : July 2012 – June 2014

Duties and Responsibilities:

• Processing of the Debt Review Forms 17.1/Notification submitted by Debt Counsellors Processing and reviewing of Determinations/Proposals submitted by Debt Counsellors

• Processing and auditing of Recommendations, Consent and Court Orders submitted by Debt Counsellors

• Computation of loans for debt review applications

• Taxation of bills of cost and recovery where applicable

• Negotiate agreements with Credit Providers in line with set policy

• Facilitate the resolution of legal queries referred by Attorneys and/or Credit Providers

• Knowledge and understanding of the following Legislation: o Magistrates Court Act o

National Credit Act o Usury

Act and Exemption Notice o

Prescription Act o Law of

Contract

• Managing one direct reportee

• Cash projections

• GL Account

• Account reconciliations

• Variance reporting at Board Level

Company Name : CONSUMER ASSIST DEBT REVIEW

Position : Manager: Operations & Debt Review

Reason for leaving : Headhunted Duration

: September 2011 – June 2012

Duties & Responsibilities:

• Processing of the Debt Review Forms 17.1/Notification submitted by Debt Counsellors Processing and reviewing of Determinations/Proposals submitted by Debt Counsellors Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

• Processing and auditing of Recommendations, Consent and Court Orders submitted by Debt Counsellors

• Computation of loans for debt review applications

• Taxation of bills of cost and recovery where applicable

• Negotiate agreements with Credit Providers in line with set policy

• Facilitate the resolution of legal queries referred by Attorneys and/or Credit Providers

• Knowledge and understanding of the following Legislation: o Magistrates Court Act o

National Credit Act o Usury

Act and Exemption Notice o

Prescription Act o Law of

Contract

Company Name : AFRICAN BANK

Position : Debt Counselling Manager & Other titles Reason for leaving : Wanted a new challenge bank Duration : September 2002 – September 2011 (8 years)

Duties and Responsibilities as Debt Counselling Manager (October 2008 – September 2011):

• Processing of the Debt Review Forms 17.1/Notification submitted by Debt Counsellors Processing and reviewing of Determinations/Proposals submitted by Debt Counsellors

• Processing and auditing of Recommendations, Consent and Court Orders submitted by Debt Counsellors

• Computation of loans for debt review applications

• Flagging of individual loan/s into appropriate DC status for clients applying for debt review

• Taxation of bills of cost and recovery where applicable

• Negotiate agreements with Debt Counsellors in line with set policy

• Validate instructions sent to ABIL attorneys regarding debt reviews court applications oppositions

• Recommend inclusion and removal of ABIL Attorneys and execution of instructions/ mandates given to them, monitor feedback and review bills of costs

• Facilitate the resolution of legal queries referred by Attorneys and/or Debt Counsellors Knowledge and understanding of the following Legislation:

• Magistrates Court Act

• National Credit Act

• Usury Act and Exemption Notice

• Prescription Act Law of Contract

• Knowledge and understanding of the following systems:

• Tallyman

• Exactus

• CS Workflow

• Sybrin

• Bancs

• ITC Experian

• MS Office Skills (Intermediate Excel)

• Decision Making Skills

• Attention to detail

• Administrative skills

• Analytical Skills

• Planning Organising Skills

Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

• Problem Solving Skills

• Numerical Skills

• Negotiation skills

• Monitor constant implementation of agreed collections strategies on:

• New Matters

• Pre Court Order Matters

• Post Court Order Matters

• Suspensions

• Identify NPLs population for letter and/or sms campaigns and follow up on PTPs with a view to ensuring regular payments

• Liaise with the Refunds Dept with regards to the processing of incorrect deductions whilst simultaneously ensuring that agreed repayments arrangements are captured accordingly

• Follow up with PDAs regarding payment of ABIL loans and/or lack thereof

• Supervise the flagging of rejected/terminations matters t out of DC environment Previous Position as Debt Counselling Consultant (during March 2007 – September 2008)

Duties and Responsibilities:

• Review form 17.1 review applications submitted by Debt Counsellors

• Review Determinations by Debt Counsellors

• Review and audit recommendations submitted by Debt Counsellors

• Recomputation

• Negotiate agreements with Debt Counsellors

• Draft instructions to Attorneys

• Manage panel of Attorney and execution of mandates

• Review bills of cost and manage compliance with applicable scale of cost and fees

• Manage taxation of bills of cost and recovery

• Obtain and evaluate documentary evidence

• Consider merits

• Resolve legal queries referred by Attorneys and/or Debt Counsellors

• Manage appropriate flagging of individual loans

• Liaise with the Refunds Dept with regards to the processing of incorrect deductions whilst simultaneously ensuring that agreed repayments arrangements are captured accordingly Previous Position as Legal Consultant & Acting Supervisor during March 2006 – February 2007 Duties and Responsibilities:

• Identify and recommend qualifying matters for formal legal process

• Review and quality assure completed affidavits submitted by Attorneys, as well as outcomes

• Draft instructions to Attorneys

• Manage panel of Attorney and execution of mandates

• Review bills of cost and distribution accounts and manage compliance with applicable scale of cost and fees

• Manage taxation of bills of cost and recovery

• Obtain and evaluate documentary evidence

• Consider merits

• Resolve legal queries referred by Attorneys and/or Administrators

• Negotiate settlements with Attorneys and Administrators

• Analyse legal data for the compilation of management reports

• Indicate action required

Francois de Roubaix

ad0bvg@r.postjobfree.com; 071-***-****

References and checks available upon request

• Prepare monthly progress report Update weekly Attorney performance report Identify write offs based on: o In Duplum o Prescription o Section 74 J (14) o Costs vs recovery

• Verify invoices to outcomes, reports and court orders received

• Conduct telephone campaigns o Employer confirmation o Non-performing loans

• Manage SMS campaigns with regards to non performing loans

• Conduct debit order detail confirmation

• Dealing with insolvency estates

• Preparing write off where danger of contribution exists

• Preparing requests from Trustees

• Knowledge and understanding of the following Legislation: o Magistrates Court Act o

National Credit Act o Usury Act

and Exemption Notice o

Prescription Act o Insolvency

Act

Previous Position as Refund Officer/Acting Supervisor during September 2002 – February 2006 Duties & Responsibilities:

• Processing requests for refunds, received from clients, Attorneys, Administrators or African Bank branches

• These were all unlawfully taken from the clients who are under Administration

• Confirming banking details with various banks

• Doing the payouts to the client or Administrators, which we have deducted

• Keeping a monthly record of this on Excel

• Reconciling all unallocated money from the receipting clerk to find out what the correct info is from the Attorney/Administrator

• Distributing monies to the various correct accounts or refunding them back to the Attorney/Administrator

• Afterwards sending the proof of the payment done by the candidate

• Keeping record of this on an Excel spreadsheet

• Reconciling the General Ledger Account daily to ensure that it has a R0.00 balance at close of business day

• Assisting various clients and companies with Saambou Bank and Thuthukani loan enquiries

• Handling Attorney, Administrator, client and Portfolio Manager queries

Contact this candidate