AYAZ ALI

Dubai, United Arab Emirates

M: +971507403263

E: ayazali.dxb@gmail.com

SUMMARY

8 Years of UAE based Professional Experience in Collections and Recovery for Leading Banks.

Expert In Collection And Recovery Of Credit Cards And Loans From Bucket 1 - 6 And Written Off Accounts.

Highly Efficient In Pursuing Delinquent Accounts With Effective Communication And Tracing Skills.

Proven Ability In A Target Based Environment And Meeting Deadlines.

Ability to Work under Pressure and Multi Task.

Well Versed With Vision Plus, CWX, FinnOne, SAP, MS. Windows & Office and Email Correspondence.

SKILLS

Collections & Recovery Retail Credit Risk Management Accounts Receivable (A/R)

Financial Reporting Portfolio Management Team Management Relationship Management

Staff Supervision & Training Bank Reconciliations All Round IT Skills Excellent Communication

EDUCATION

MBA (Hons.) - Finance - 2007 University of Sindh, Hyderabad, Pakistan

BBA (Hons.) - Marketing – 2005 University of Sindh, Hyderabad, Pakistan

ACHIEVEMENTS

Consistently Receiving Monthly Best Performer Certificates & Medals for Achieving Collection Targets

Seven Years Of Service Award In Recognition Of Continuous Commitment & Dedicated Service 2016

The Appreciation Award For Leadership and Dedication Towards Building The Team 2015

Six Years Of Service Award In Recognition Of Continuous Commitment & Dedicated Service 2015

Best Performance Certificate by Client (Standard Chartered Bank UAE) 2010

Best Performance Certificate by Client (Dubai First Bank UAE) 2010

Appreciation Certificates for organizing six workshops for UNICEF & Ministry of Health Pakistan 2008

ON JOB TRAININGS

Collections & Recovery Procedures and Code of Conduct Abu Dhabi Islamic Bank 2015

MIS Management Hadaf Al Khaleej Debt Collection 2014

Performance and Team Management as a Team Leader Hadaf Al Khaleej Debt Collection 2013

Collections & Recovery Procedures and Code of Conduct Barclays Bank 2013

Collections & Recovery Procedures and Code of Conduct Standard Charted Bank 2010

FinnOne Software Dubai First Bank 2010

Collections & Recovery Procedures and Code of Conduct Dubai First Bank 2009

HKDC Software, Collection & Recovery Procedures Hadaf Al Khaleej Debt Collection 2009

ADDITIONAL COURSES

SAP Financial Accounting and Controlling (FICO) – 2014 Learner’s Point Institute, Dubai-United Arab Emirates

Certificate Course in Ms. Windows and Office - 2005 FAITH Institute of Information Technology – Hyderabad, Pakistan

PROFESSIONAL EXPERIENCE

1. Majid Al Futtaim Finance L.L.C

1.1 Recovery Officer (Najm Credit Cards) – July 2016 - Till Date

- Tracing and communicating with customers by telephone, SMS, Fax, email and when required visit customers to negotiate and provide amicable resolution of their delinquent accounts.

- Get customers to commit payment dates and make sure payment is done on time and ensure that customer understands the need to keep his obligation current and the consequences of any default.

- Ensure the financial target are met month on month and proper follow up on all allocated accounts with proper updates in CWX (Collection System) and Vision Plus (Host System)

- Ensure Daily call target is achieved and all calls updated in CWX (Collection System)

- Ensure DRR (Daily Run Rate) is met to meet the monthly assigned target.

- Handle walk-in customers and always try to normalize the account.

- Highlight skip and non-starters accounts to supervisor for appropriate action.

- When all collection efforts have failed, it is then necessary to take a decision, whether to refer the account to the legal department for further legal proceedings.

2. Tahseel - Hadaf AL Khaleej Debt Collection L.L.C January 2009 – May 2016 (7 Years 5 Months) - Sharjah, United Arab Emirates

2.1 Team Leader - Collections & Recovery - April 2012 – May 2016 Worked For:

Clients Portfolio From To Staff

Abu Dhabi Islamic Bank Barclays Skip Cards Accounts - Bucket1- 8 Sep’14 May’16 4

Barclays Bank Skip Card and Loan Accounts - Bucket 1 - 7 Jul’14 Sep’14 4

Dunia Finance Cards Accounts - Risk 30 and Risk 90 Apr’14 Jun’14 3

Noor Islamic Bank Charged off and Vintage Cards Accounts Jan’14 Mar’ 14 3

Mashreq Bank Loan Accounts - Bucket - 1 Oct’13 Dec’13 3

First Gulf Bank Charged off and Vintage Cards Accounts Jul’13 Sep’13 3

Barclays Bank Skip Cards and Loans - Bucket 1 - 7 Jul’12 Jun’13 6

Responsibilities:

- Preparing collection strategies and plans for the team to meet or exceed client cash and resolution targets.

- Assign work to collectors, review and evaluate team performance, and coordinate assigned collection activity to ensure assigned goals are met.

- Addressing areas of weakness, train, coach and motivate team members.

- Assisting in tracing and communicating with customers by telephone, SMS, Fax, email, Meetings and when required visit customers to negotiate and provide amicable resolution of their debts.

- Coordinate closely with the client on Settlement Approvals, Case Releases, Waivers and Queries.

- Ensure collections procedures and codes of conduct are adhered to.

2.2 Senior Debts Collector - Client: Standard Chartered Bank - (Apr’10 – Jun’12)

- Handled Fresh Charge off and Vintage accounts of Cards and Loans and achieved targets consistently.

- Trace and communicate with customers by telephone, SMS, Fax, email, Meetings and Filed visits.

- Assisting junior staffs in handling calls and tracing techniques.

- Propose and initiate a repayment plan in accordance with Client policies.

- To be responsible for meeting collection target in order to contribute to achieve team target

2.3 Debts Collector - Client: Dubai First Bank - (Jan’09 – Mar’10)

- Collection and Recovery of Dubai First Bank’s Bucket 2-3 and Charge off Cards and Loans.

- Informed customers of delinquent accounts through electronic mediums.

- Learned and practiced collection and recovery techniques and procedures.

- To be responsible for meeting collection target in order to contribute to achieve team target.

3. HELP (N.G.O.), Karachi – Pakistan

3.1 Assistant Project Coordinator - Sep’2006 – Sept’ 2008

- Organizing and Assisting in Health and Education related Workshops & Seminars and Research & Surveys in collaboration with UNICEF, WHO and Ministry of Health, Pakistan.

- Facilitating at meetings and workshops as appropriate.

- Proactively assisting in coordinating projects and acting as channel of communication

- Assisting in preparation of minutes of meetings, presentations and tables to seniors.

- Letter drafting, Handling Routine Accounts and Workshops Budget.

LANGUAGES

English Full professional proficiency

Urdu Native or bilingual proficiency

Sindhi Native or bilingual proficiency

PERSONAL INFORMATION

Birthday February 15, 1983

Marital Status Married

Visa Status UAE Employment Visa

Driving License UAE - With Own Car