Sumaiya Firdous Khan
Mumbai
Summary
To become highly trained professional and do best for the organization, as well as learn and grow with company and keep it on the top position with my sustained hard work perseverance.
Results-driven Debt Manager known for high productivity and efficient task completion. Possess specialized skills in debt recovery strategies, financial analysis, and risk management. Excel in negotiation, communication, and strategic planning to achieve financial stability and debtor compliance. Ready to leverage these abilities for sustainable financial solutions.
Highly competent Debt Manager with background in managing credit portfolios, negotiating debt settlements, and implementing financial recovery strategies. Possess strong analytical skills to assess debtor's financial status and recommend appropriate debt recovery methods. Demonstrated ability in leading teams to exceed goals while building client relationships that ensure financial stability and growth. Made significant impact by driving process improvements and reducing delinquencies in prior roles.
Provides expert guidance on appropriate products and services for debt needs. Successful developing and implementing debt management plans. Knowledgeable about issues affecting credit and remedies for typical situations.
Results-driven professional with action-oriented and resourceful approach. Detail-oriented and responsible in managing funds. Offering many years of experience and seeking challenging new role.
Insightful professional in financial counseling known for high productivity and efficiency in task completion. Possess specialized skills in debt management, budget planning, and financial literacy education. Excel at communication, empathy, and problem-solving which are critical for guiding clients towards better financial health.
Overview
6
6
years of professional experience
Work History
Debt Manager - Personal Loan
HDFC First Bank Ltd.
09.2023 - Current
- As a Debt Manager -Flows since Sep 1st to Currently working
- Follow up and monitoring defaulting borrowers for Flows.
- Handling Bucket X,4,5, for every month.
- Handling NPA moving and Pure NPA account.
- Ensuring Daily collection data updated on system.
- Achieving monthly targets in all Bucket.
- Follow up with customer for clearing the payment during 30 days.
- Ability Maintaining client profile & follow up with every client.
- Prepare 13(2) and 13(4) notices draft.
- Sent 13(2) notices by Registered Post AD to customers All registered Address with pasting.
- After 13(2) and 13(4) notices will proceed for newspaper publication.
- Initiate Section 25 and 138 under NI ACT in defaulter accounts.
- Initiate for Arbitration In delinquent and defaulters accounts.
- Managed debt collection procedures to ensure compliance with regulations.
- Analyzed customer accounts to identify delinquency patterns and trends.
- Developed repayment plans in collaboration with clients to facilitate resolution.
- Communicated with clients through various channels to negotiate payment arrangements.
- Monitored industry changes to adapt debt management practices accordingly.
- Collaborated with legal teams on escalated debt recovery cases for resolution.
Customer Service Executive
DFC First Bank Ltd.
08.2022 - 08.2023
- Company Overview: (retail asset branch)
- As a Customer Service Executive - retail asset branch since Aug 2022to till 31 Aug 2023
- (retail asset branch)
Associate – Tele Caller
1Up Financial Products and Solutions
07.2019 - 08.2021
- Tele Caller since July2019 to till 10th Aug 2021.
Education
B.COM. -
Smt Kamala Mehta Vwa College of Commerce
H.S.C. - Science
Maharashtra Board
S.S.C. -
Maharashtra Board
Skills
- Ability to learn quickly
- Adaptable to new environment
- Good analytical logical reasoning
- Problem-solving
- Ability to work under high pressure
- Debt recovery
- Compliance management
- Data analysis
- Repayment planning
- Legal documentation
- Customer relationship management
- Negotiation techniques
- Payment processing
- Report generation
- Industry knowledge
- Problem solving
- Effective communication
- Attention to detail
- Conflict resolution
- Team collaboration
- Artistic talent
- Expert communication
- Outdoor survival skills
- Social perceptiveness
- Local customs awareness
- Multilingual abilities
- Strong leadership
Place
Mumbai, Maharashtra
Personal Information
- Date of Birth: 11/22/98
- Gender: Female
- Nationality: Indian
- Marital Status: Unmarried
Languages
- Hindi
- English
Extracurricular Activities
Known Office Package: Microsoft Word, Microsoft Excel, Advance Excel.
Hobbies and Interests
- Learning & Reading
- Watching cricket
Disclaimer
I hereby declare that the information that I have furnished is authentic, and true to the best of my knowledge.
Area Of Specialisation
FINANCE (Collection)
Job Profile
- Follow up and monitoring defaulting borrowers for Flows.
- Handling Bucket X,4,5, for every month.
- Handling NPA moving and Pure NPA account.
- Ensuring Daily collection data updated on system.
- Achieving monthly targets in all Bucket.
- Follow up with customer for clearing the payment during 30 days.
- Ability Maintaining client profile & follow up with every client.
- Prepare 13(2) and 13(4) notices draft.
- Sent 13(2) notices by Registered Post AD to customers All registered Address with pasting.
- After 13(2) and 13(4) notices will proceed for newspaper publication.
- Initiate Section 25 and 138 under NI ACT in defaulter accounts.
- Initiate for Arbitration In delinquent and defaulters accounts.
Languages
English
First Language
Timeline
Debt Manager - Personal Loan
HDFC First Bank Ltd.
09.2023 - Current
Customer Service Executive
DFC First Bank Ltd.
08.2022 - 08.2023
Associate – Tele Caller
1Up Financial Products and Solutions
07.2019 - 08.2021
B.COM. -
Smt Kamala Mehta Vwa College of Commerce
H.S.C. - Science
Maharashtra Board
S.S.C. -
Maharashtra Board