Sony Kumari

SONY KUMARI Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organised in helping consumers navigate sometimescomplex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs. High-achieving Credit Controller offering quality-minded and customer-driven approach. - Sharjha, UAE 9966 - Indian https://www.linkedin.com/in/sonykumari/ WORK HISTORY October 2024 to Current Senior Financial Remediation Associate Emirates NBD , Sharjah , United Arab Emirates • Organised files to increase ease of access. • Liaised with clients to enhance business relationships. • Assisted colleagues for better team collaboration. • Handled telephonic communications, enhanced external relations. • Worked on special projects as assigned leading to • • • • • • successful completion before deadlines. Maintained confidentiality with sensitive company information. Improved efficiency by streamlining office processes. Filed documents, improved data management. Presented findings at company meetings ensuring everyone was kept informed about departmental updates. Analysed financial data to aid budget planning. Dealt with customer queries for an elevated level of service. April 2023 to Current Credit Controller/ Customer Service Trust Group, Sharjah, UAE WEBSITES, PORTFOLIOS, PROFILES • https://www.linkedin.com /in/sonykumari/ SKILLS • Credit analysis • Credit risk management • Loan documentation • Credit card recovery and • • • • • • • • • • • • • • remedial solution Loan recovery processes Delinquency monitoring Financial statement review Loan recommendations Documentation preparation Issue review Billing query resolution Credit reviews Billing inquiries Customer Relations Financial Management Collections understanding Processing payments Revenue Generation • Experienced in Customer service and credit management for a period of 4 years, to include training, buddy up new employee, outstanding productivity to achieve excellent results for both SME EDUCATION March 2018 to May 2020 • • • • • • • • • • • • • and Retail for RAKBANK. Processes good communication skill and client management, Dispute handling. Responsible for customer support on calls and arranging meeting also coordinating with Bank. Responding e-mails, calls and faxes from client & Bank management for SME and Retail (RFL, RAKFIN, EXPAT, CC) clients. Handling High Network Clientele for day to day banking need and services. Receive and respond to customer account inquires on credit balance, outstanding Amount, transaction details ,statement , fees and charges. Verify all associated client and business Documents (ID, PP, Trade License, partnership Deed, MOU). Assist in clearance and update on AECB report (Al Etihad Credit Bureau). Responsible for complete assistance to client with professionalism and best phone practices. Facilitating customer with settlement of account and legal assistance coordinating with Bank. Regular update on CRM for present status. Receiving all bounced cheques update from Legal Team (civil or criminal status, cheque execution). Responsible for follow up with client for meeting and counseling. Conducted meeting with Banker and responsible department for client in special cases. Attending client in person to discuss company policy and product, sorting any complaints or dispute. April 2018 to March 2021 Collections Associate Derby Group, Sharjah, UAE • SME and Retails client profile for ADCB & ETISALAT. • Regular follow up and update Inbound and outbound • • • • • calls on CRM following up for account clearance and MSP/SP. Uploading all new accounts Data on CIM. Send bulk email from outlook monthly update to client. Prepare report in excel for supervisor review for and update on accounts. Contacting customers and informing them of their overdue bills matching company policy and bank agreement. Advising customers on their payment options and suggesting methods of payments, suggest 6/m up to 12/m scheduling settlement. Bachelor of Science Physics ISBM University, India January 2018 to May 2019 Higher National Diploma Aviation(CSTM) FrankFinn, India March 2009 to May 2011 Diploma of Higher Education Science - PCB RTC High school, India CERTIFICATIONS Customer Service, [Company Name], [Timeframe] LANGUAGES English C1 Advanced Hindi C1 Advanced Urdu Upper intermediate B2 • Preparing notice to customers as per policy when required. • Responding to customer queries, documents verification and tracing right party for account settlement. • Prepare weekly reports of (overdue debts - new accounts achievements and results - calls). May 2018 to September 2018 Ground Staff (Internship & Training) IGI Airport, Delhi, India • Greeting and welcoming passengers, and responding • • • • to questions. Check in passengers and verify Boarding pass. Making reservations. Booking airline tickets. Assisting Crew for on time departure. February 2014 to March 2015 Customer Service Representative Vodafone, Ranchi, India • Attend inbound calls and inquiries, respond email. • Check status for customer request in IDS and update • • • • • in CRM. Sharing product information and new offers. Sending bulk SMS weekly offer. Resolve dispute on same call with customer satisfaction feedback. Guiding customer to use online services and offers activation. Excel report for daily task and highlighted new queries by customer to update supervisor. September 2012 to September 2014 Sales & Customer Service Assistant Hicon, Ranchi, India • Australian process for Bluetone Internet services. • Outbound calling on leads for service activation. • Meeting DRR. • Preparing contracts and orders form. • Recommend special packages for International calling. • Team work and be collaborative to reach target. PERSONAL INFORMATION Gender: female ADDITIONAL INFORMATION I am self-motivated, reliable and hard working person. Also adaptable to all challenging situations. I am able to work well both in a team environment as well as using own initiative. I am able to work well under pressure and adhere to strict deadlines.