Cooking
Chetna Ghai
Credit Collections Specialist
101b Ch Ishwar Singh Apartments Maidan Garhi New Delhi
Summary
I strive to be a highly skilled individual and wish to be an asset to any organisation I join. I have professional experience in credit and collections with a track record of resolving high-value accounts and optimising recovery processes.I am known for reliability and adaptability in dynamic environments. Skilled in team collaboration and achieving results through strategic planning and effective communication.
I strive to offer strong analytical skills and I have keen ability to learn quickly in fast-paced environments. I am ready to use and develop analytical and problem-solving skills in Senior Credit Collections Analyst role.
I am diligent with solid background in credit and collections. I have successfully managed complex accounts and ensured timely recovery of outstanding debts. Demonstrating analytical skills and effective negotiation techniques. I accumulate exceptional interpersonal and problem-solving skills.
I am organised and dependable a person successful at managing multiple priorities with a positive attitude.
I am equipped with strong problem-solving abilities, I have willingness to learn, and perform excellent communication skills. I am posied to contribute to team success and achieve positive results. I am ready to tackle new challenges and advance organisational objectives with dedication and enthusiasm.
Overview
4
4
years of professional experience
2
2
Languages
Work History
Senior Credit Collections Analyst
American Express India Pvt. Ltd
05.2022 - Current
- Collaborated with cross-functional teams to resolve disputes and negotiate payment arrangements effectively.
- Worked closely with quality team to ensure the blue box values and integrity of the business model.
- Maintained strong working knowledge of relevant regulatory requirements, ensuring compliance with all applicable laws and standards related to credit granting and collection activities.
- Implemented effective dunning campaigns targeting overdue accounts for maximum recovery results while maintaining positive customer relationships.
- Developed customized reports that provided valuable insights into trends, risks, and opportunities related to the company''s receivables portfolio.
- Also helped with the new batches with training and on how to collect in regards with the business model. And how to do the job with integrity and compliance.
Customer Service Executive
Concentrix
08.2020 - 05.2022
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Managed high volume of inbound chats while maintaining a professional demeanor and ensuring timely resolution of issues
- Reduced average chat time through efficient problem-solving skills without sacrificing quality of service provided.
- Contributed towards improving overall customer feedback scores by consistently delivering high-quality service experiences.
- Leveraged strong interpersonal skills to build lasting relationships with customers, fostering brand loyalty and repeat business.
- Developed effective strategies for managing challenging situations, resulting in positive outcomes for both customers and the organization.
- Coached and mentored junior team members, contributing to their professional growth and development.
- Monitored key performance indicators to ensure continuous improvement in service quality.
- Maintained up-to-date knowledge of process and service changes.
- Investigated and resolved customer inquiries and complaints quickly.
- Delivered prompt service to prioritize customer needs.
Education
Bachelor Of Arts - Humanities
Delhi University (school of Open Learning)
New Delhi 05.2024
National Institute of Open Learning
New Delhi03.2020
St. Anthony’s Sr. Secondary School
Hauz Khas03.2018
Skills
Problem-Solving
Excellent Communication
Decision-Making
Teamwork and Collaboration
Planning and Coordination
Organization and Time Management
Flexible and Adaptable
Self-Motivated
Accurate payment posting
Fair debt practices
Financial controls development
Account management
Accomplishments
Became master credit specialist in June 2023
Became lead credit specialist in July 2024
Interests
Travelling
Dancing
Nationality
Indian
References
- Concentrix
Team leader
chetan.diwaker@concentrix.com
9873138489
- Concentrix
Subject matter expert
kumar.rishab@concentrix.com
9555123500
- American Express
Team Leader
Amandeep Khurana
9582334667
Amandeep.khurana@aexp.com
- American Express
Job content coach
Ramandeep Singh
9716226167
Ramandeep.singh@aexp.com
Date of birth
23rd April, 2002
Timeline
Senior Credit Collections Analyst
American Express India Pvt. Ltd
05.2022 - Current
Customer Service Executive
Concentrix
08.2020 - 05.2022
Bachelor Of Arts - Humanities
Delhi University (school of Open Learning)
National Institute of Open Learning
St. Anthony’s Sr. Secondary School