JEFFREY DAEP BALANCIO

B* L**B Mt. Calbayog St. Montevista Hts. Subd., Brgy.

Dolores, Taytay, Rizal.

Contact Number - 091*-******* / 096*-*******

E-Mail Address – adjoj0@r.postjobfree.com

CAREER HIGHLIGHTS

A seasoned Operation Practitioner for Credit, Collection Sales and Finance, with background in Credit Administration, Collections Management, Sales, After Sales Management and Operations Processes.

With an extensive knowledge and experience in Credit Verification, Credit Evaluation, Collections Management (All aging buckets), Sales and After Sales Functions. I have also handled different types of product, like Auto financing, Mortgage, Motorcycle, Appliance and Salary Loan, Accounts Receivable Management.

I was able to contribute with the former companies that I have worked with like Standard Chartered Bank, Philam AIG, China Bank Savings and Unistar Credit and Global Mobility Service Inc.

EMPLOYMENT HISTORY

GLOBAL MOBILITY SERVICE (PHILS.) INC.

OPERATIONS MANAGER – January 2019 – January 2021

Make sure that company process and procedures are followed by all divisions in the company.

Coordinate with the other division heads to discuss any changes that are needed to be made to improve their process flow.

Work together with internal audit in calling out the attention of those divisions who are deviating from their agreed process to be followed.

Conduct meetings with division heads to check on their monthly deliverables if they are being met or not, discuss improvements and hurdles to improve our business process.

Over all in-charge of the Operations of all the branches and the company warehouses.

Ensure adequate staffing with qualified resources to deliver services in accordance with defined KPIs.

Ensure full functionality of all operational system and work closely with Corporate IT to safeguard against outages and disruptions.

Made sure that the Operational process of the company is mapped out, Train members of the operations team to equip them with the knowledge of how each part of operations work.

Prepare processes for the efficient and systematic flow of the business.

Manage the whole Operation of Sales (3 Wheels & 4 Wheels), Credit, Documentations, Collections, After Sales Operation, Warehousing.

Make sure that required number of applications targets are met on a monthly basis.

Make sure that all Tricycle and Auto Loan Applications from the branches are all processed Within the prescribed turn-around time.

Make sure the all approved accounts are coordinated with the Branch Sales Personnel, Approvals, Rejection and Cancelled Applications are coordinated with the Sales Team, until the eventual release of the units.

Manage the Branch Documentations Staff, Make sure that all customers have complied with the documentary requirements of GMS.

Make sure that Billing Statements are prepared on time and send to customers for the facilitation of their monthly payments.

Make sure that any customer requirements and inquiries (Billing, Payments, Activation of the Units and Documentary requirements like ORCR of the Units) are addressed and coordinated with the different Division of GMS.

Make sure that all personnel are in adherence to the Quality Assurance level that we need to deliver for each account being processed.

Make sure that there are adequate number of people who would be working on our received accounts on a day to day basis.

Prepare weekly report to the President and to the management of GMS Philippines.

CHINA BANK SAVINGS INC.

CREDIT MANAGEMENT MANAGER - May 2016 -Dec. 2018

Report weekly activities of the Team to our Credit Evaluation Head for Auto-Loans.

Oversee the activities of Credit Officers, Credit Analyst and Credit Investigators within the group.

Monitor the daily accounts handled by each team member, Make sure that all accounts are decided upon within the prescribed turnaround time (TAT).

Liaise with sales / account officer regarding account being evaluated. To make sure that customer satisfaction is maintained by granting on time decisions.

Require the necessary Documentary requirements, approve deviations to existing policy and Apply necessary aide to mitigate any risk being taken by the bank.

Approve or reject accounts endorsed by our Credit Officers and Credit Analyst. Reject accounts that did not pass initial credit criteria, require documents for accounts that could pass initial evaluation, report and encode to the system accounts that are able to pass and eventually got approved.

Provide operational improvement to improve daily approval and time rendered for each account, coordinating such improvements to other teams within the department.

Conduct coaching based on the need of the team, so that each team member would be able to adopt to any operational changes to meet optimum customer satisfaction.

UNISTAR CREDIT INCORPORATED

AREA AFTER SALES MANAGER - Jan. 2013 – Dec. 2015

Manage and monitor the After Sales activity of all the branches is Tarlac, Pampanga, Bataan and Bulacan.

Coordinate and report After Sales transactions to the management of Gentrade.

Manage and monitor the part requirements, repairs and other after sales requirements of our existing customers.

Worked with the Sales Department regarding After Sales requirements.

Monitor all the vehicles and documentations relating to all the units in stock.

Implement sales strategy of Gentrade.

Monitor the activities of the After Sales Team to reach their monthly targets.

Coach staff regarding their targets and their daily activities and report.

UNISTAR CREDIT INCORPORATED

AREA FINANCING OPERATIONS MANAGER - Jun. 2009 – Dec. 2012

Make sure that company process and procedures are followed by all sections within the branches.

Coordinate with the other section heads to discuss any changes that are needed to be made to improve their process flow.

Work together with internal audit in calling out the attention of those sections who are deviating from their agreed process to be followed.

Conduct meetings with section heads to check on their monthly deliverables if they are being met or not.

Responsible for setting up the operational policy and process, Oversee all operation function including but not limited to customer support, program management, operational risk control. Manage and expand customer support operations to ensure efficiency, quality, high customer satisfaction for all the branches. In-charge of the profitability and sales performance of all the branches.

Responsible for setting up the operational policy and process management, compliance and risk management. Recommend process improvements to support daily operations.

Tasked to run the whole sales operations of the branches that I am handling. Making sure that sales targets are met, Customers are updated.

Tasked to do Collections Management, Collections Forecasting and Supervise All the Sales, Credit and Collections Team Leads in the financing area.

Monitor daily transactions and making sure that each customer leads are addressed and processed.

Monitor the collection efficiency of our Collectors and the loan approvals of our Credit Specialist. Monitor the daily output of our field collection Team Leads. I make sure that they are able to follow up on the accounts of our collectors and prospective clients of our Credit Analyst.

Coordinate with the Service Dept., Finance, Treasury, Credit and Collections, Sales and Operations Department for any concerns.

Conducts monthly portfolio review in all branches handled. Prepare management report for out monthly meetings.

Handles the hiring and staffing process, monitor the needed supply for each branch, oversee the overall security of all the branch in my cluster.

SINGER FINANCE PHILS. INC.

REGIONAL SALES MANAGER / C&C MANAGER - Feb. 2006 – May 2009

Manage the whole sales operations of the branches in North Luzon. Responsible for setting up the operational policy, Oversee all operation function including but not limited to customer support, program management, operational risk control. Manage and expand customer support operations to ensure efficiency, quality, high customer satisfaction for all the branches.

Make sure that monthly targets are met based on the targets set by the different branch managers.

Address the requirements of additional units being requested by other branches that have exceeded their set targets.

Conduct daily review on Management Information reports to monitor goals are met and identify issues/underperformance area and assess as opportunities. Liaise with Product and marketing teams to ensure sales goals are delivered.

Make sure that the Sales Procedure and Policies are adhered by all sales employees. Conduct regular meetings with the team to review progress against sales goals set and help plan their approach towards achieving them.

Monitor the Activities of the Sales Team in North Luzon. Conduct coaching initiatives to help improve areas for improvement and development.

Coordinate with the National Sales Manager and National Credit & Collections Manager in making continues improvement for the betterment of the operational process of Singer Finance in North Luzon. Responsible for setting up the operational policy, Oversee all operation function including but not limited to customer support, program management, operational risk control. Manage and expand customer support operations to ensure efficiency, quality, high customer satisfaction for all the branches. In-charge of the profitability and sales performance of all the branches.

SINGER FINANCE PHILS. INC.

CREDIT & COLLECTION MANAGER FOR LUZON - Oct. 2004 – Feb. 2006

Oversee the credit approval process, overseeing the Credit Operations Team, applying Credit Policy and providing the final decision on all customer loan application.

I make sure that each loan approval done by our district managers are within our policy guidelines, as to ascertain minimum credit risk is taken.

Manage the collection process, ensuring each customer is handled in a consistent, fair manner by directing the team of collectors in resolving collection issues both beneficial to the company and the customers.

Monitor on time and accurate collection of the accounts receivable in the area. Made sure that all the supervisors and staff are monitored and coached. Analyze the debt portfolio, collection trends and performance.

Conducts monthly portfolio review in all the branches in North Luzon. Provide leadership, coaching, counseling, training and guidance to the team so they can proactively carry out their role with the highest possible standard in mind.

Coordinates with Franchise Dealers, Sales Agents regarding our Credit and Collection updates. Advise them of any delinquency or payments that needs updating.

Acts as the administrator for each branch in the cluster, making sure that the branches are maintained and needs in the operation of each branch are maintained and provided.

PHILAM SAVINGS BANK-AIG

CREDIT OFFICER / / July 2000 – Sep. 2004

Evaluate and Approves Car Loan, Home Loan and Credit Card applications.

Make sure that each approval is within the existing Credit Policy.

Make sure that the risk involved in lending out a particular client is minimized, by making sure that report from field is complete, all financial information are verified, make sure that financial analysis done is correct.

Evaluation of Credit Application, I make sure that necessary data are collected.

Conduct Credit Review of accounts and makes recommendations on these accounts processed by our Marketing Officers and Account Officers.

Assigns field assignments for my field investigators, monitors daily productivity of in-house verifiers and coordinates with our branch loan analyst for any loan approvals or any loan or marketing problems within their respective branches. .

STANDARD CHARTERED BANK

SENIOR CREDIT & COLLECTION ANALYST - June 1997 – June 2000

Conducts Credit Investigation, interview on direct loan and dealer generated auto loan applications.

Process and evaluate auto loan applicants credentials (5’cs) as against the company’s credit policy.

Involved in data gathering, encoding and report preparation.

Prepares credit analysis chart in aid of clients loan approval.

Coordinate with clients with delinquency and advise them on how to update their account.

Send out Demand letters and Appear in court for accounts that we are endorsing to our legal department.

CREDIT INFORMATION BUREAU INC.

BUSINESS OPERATIONS ANALYST - June 1996 – June 1997

Attend client initial meeting to know the requirements of the customer.

Involved in data gathering, encoding and report preparation.

Gather and prepare list of subject to be visited on a daily basis.

Visit subject’s, business, place of work, government offices and other pertinent locations where we can gather information about the client.

Submit report to our Supervisor for her final approval prior to submission to our production department.

EDUCATIONAL BACKGROUND

POLYTECHNIC UNIVERSITY OF THE PHILIPPINES / 1990 - 1996

Bachelor of Science in Accountancy.

PIO DEL PILAR EDUCATIONAL INST. / 1986 - 1990

Secondary Education

NPC ELEMENTARY SCHOOL / 1980 - 1986

Primary Education

Other information may be discussed during the interview, References shall be provided if needed.

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