VITAE

     LINU JOHN                                                                                                                          Mobile No:0502426332

     P O Box 111566                                                                                                                                                0508437479

     DUBAI                                                                                                                           Email:linujohn78@icloud.com

Employment Objective

Seeking a Senior managerial position in the banking sector, to utilize my expertise effectively within combination of my vast work experience, analytical, relationship building skills with genuine commitment to customer service and satisfaction towards achieving better results and added value to organization.

Area of Expertise/Exposure

• A result oriented professional with over 17 years of proven experience in UAE Banking industry with in-depth exposure to retail banking
• Rich Knowledge in banking system and collection
• Advanced knowledge of pre charge off Collections.
• Ability to handle stress that may evolve due to constant target pressures and collections follow
• Excellent Negotiations & Dispute resolution
• Expertise in debt recovery of credit card and Loan, analyzing applications, identifying fraudulent documents with reputed local and international banks in
• Perseverance and dedication to meet organizational & individual
• Excellent communication and people management skills and enhancing customer
• Conversant with major banking software like CACS, Intellect, First Data, T24, Dialer, CRM

Achievement Highlights

A continuous Top Performer, in achieving Individual target and team target. Won monthly and Quarterly awards for performance including Bravo Award with FAB bank.

PROFESSIONAL EXPERIENCE

         FIRST ABU DHABI BANK UAE

Manager- Collections and Recovery                                                          January 2008    – Till Date

• Effectively lead a collection team/Agency and ensure that the collection targets are met in terms of net flows.
• Implement collection strategy, techniques, and procedures at various delinquent stages of the accounts.
• Train, develop, motivate, and review the performance of Department staff members to assist them to perform at high standards and develop their potential to enhance knowledge-based skills.
• Ensure capacity planning is in place and a load-balancing is done for the unit.
• Review the collection reports daily and discuss the performance with the team.
• Negotiate with the customer wherever applicable and reach out for a settlement in consultation with the Head of Collections.
• Ensure that the collection process is carried out within the framework of code of conduct by following the guidelines of Central Bank.
• Coordinate with MIS and IT for timely availability of data. Carrying out Call Quality audits to ensure high level of customer service. Provide feedback to Credit on fraudulent applications / Market Information
• Initiating legal actions on Delinquent Accounts; Coordinating with Lawyers for filing and withdrawal of cases. Raise Short Settlement Proposals and ensure cases are Zeroized
• Prevented foreclosures by carefully approving effective workout programs; meticulously analyzed mortgagors’ financial statement, debt ratios, payment records, credit worthiness and ability to adhere to repayment programs.
• Plan collection improvement processes communicate strategy and check its implementation.
• Supervise inquiry of credit risk in clients, observe the collection of total due. Manage customer relationships / expectations for approving and allowing settlement and payment options

          Job Specific Accountabilities

• Provide accurate Portfolio MI and focused written reports for Quality Management Reporting.
• Ensure unit adherence to all controls, policies, processes, and regulatory guidelines.
• Monitor Collection performance and recommend changes required in line with changes in CB regulations to ensure overall process robust.
• Liaise with other Collections managers/ team leaders to identify relevant training needs.
• Responsible for monitoring and rehabilitating high delinquent accounts as well as containing flow-through to the next cycle, to reduce writing-off
• Ensure low risk Audit rating for the unit.
• Ensure accuracy of data being presented to various stakeholders including senior management
• Responsible for inputting data and creating spreadsheets showing the progress of staff efforts to collect debts, for speaking with individuals who wish to speak with a supervisor and for approving and allowing settlement and payment options.
• Verifying Lien’s and authorizing account debits.
• Encourage and train the subordinates, appraise, and evaluate Team member's performance and offering counseling.

Skill set and Training Certificates:

• Strong analytical skills for portfolio monitoring along with excellent hold over Microsoft excel, power point presentation.
• Ability to work under pressure and maintain a detached and independent perspective.
• Self-motivated, autonomous, Resilient, Innovative, and well organized.
• How Great Mangers Can Impact
• Different Types of Managers
• Anti-Money Laundering and Fraud Investigation
• Negotiation Skills

Citi Bank     UAE                                                                                                                            June 2005- Dec 2007

Collection Officer.

• Responsible for achieving the collections targets on monthly
• To follow up and collect on all overdue, delinquent
• Handle number of calls/contact (as per department set targets) & follow-up
• Identify un-contactable/skip customers and redirect.
• Minimized collection costs & account attrition
• Send collection standard letters/SMS/Emails to un-contactable customers.
• Ensure that COC is observed throughout the calls.
• Ensure that end to end process of Settlements/ Restructure is completed within the time frame.

SCHOLASTICS

Academic  

MCA (Master of Computer Application)  

Madurai Kamaraj University, Tamil Nadu, India Bachelor’s Degree in Mathematics M.G University, Kerala, India

PERSONAL VITAE

Date of birth                    :    15th January 1978

Marital status                    :     Married

Nationality                      :     Indian

Languages known         :     English, Hindi, Malayalam, Tamil

Visa status                       :     On Employment Visa

Driving license               :     Holding UAE Driving License

References can be furnished upon request