Sayed Taimoor Ali Shah

• Managing the collections portfolio for the U.A.E. and Oman. • Maintaining comprehensive records for collection clients. • Overseeing relationships with external agencies. • Managing contracts with external agencies. • Allocating portfolios to external agencies for collection. • Coordinating with legal counsel for follow-up on legal matters. • Offering restructuring and settlement options to clients. • Reviewing and evaluated the performance of external agencies.

• Managed the accounts receivable portfolio for clients and companies, addressing and resolving client inquiries. • Conducted company visits when payments were not made as per agreements. • Followed up with clients on pending invoices daily through calls, emails, and field visits when necessary. • Secured company interests by collecting payments in advance or through post-dated checks (PDCs). • Monitored debtor balances to achieve a reduction in Days Sales Outstanding (DSO). • Negotiated payment terms with clients at the outset of business transactions. • Implemented company credit procedures to follow up on overdue invoices and payments. • Recommended payment terms to credit management for new clients based on thorough verification. • Negotiated payment plans with consumers as required.

• Managed relationships with collection agencies on behalf of the bank, ensuring compliance with ADIB standards. • Monitored agency performance with customers and conducted regular reviews of the top 20 accounts at each agency. • Conducted visits to agencies to review accounts in collaboration with agency managers. • Held daily meetings with recovery team members to discuss progress and plan activities for the day. • Ensured timely updates of agency visit reports in the collection work system. • Responsible for reducing risk within the assigned portfolio by meeting with challenging customers and negotiating effectively in the interest of ADIB. • Utilized all collection tactics and tools efficiently and effectively. • Ensured that promised payments were collected within the agreed turnaround time. • Provided proactive feedback for legal action in cases of delinquent defaults and fraud, and ensured the weekly filing of legal cases. • Followed up on activities conducted by team members on an hourly basis and prioritized calling and visiting activities. • Received commendation from the Manager of Collections for outstanding performance. • Provided training to vendor staff on collection procedures, code of conduct, and compliance.

• Managed over 180 accounts with 180+ days past due (DPD), analyzing customer financial records to determine suitable payment plans. • Maintained accurate records of customer accounts, payments, and payment plans. • Responded to customer inquiries, providing detailed account information and delivering exceptional service during collection calls while maintaining a calm and professional demeanor. • Utilized automated tracking systems and skip tracing techniques to locate hard-to-find or relocated customers. • Actively listened to customers and negotiated solutions that addressed the needs of both creditors and debtors. • Notified co-signers of delinquent accounts to facilitate the collection of payments. • Successfully collected on delinquent accounts, significantly reducing overdue balances and consistently achieving performance goals. • Developed and documented collection procedures and policies to ensure compliance with government regulations. • Engaged with customers regarding past-due accounts and negotiated effective payment plans. • Authorized to collect cash from customers for defaulted payments or settlement amounts. • Conducted field visits to meet with customers, discussing delinquent payments and offering multiple settlement options.

• Responsible for managing accounts in the 30-60 days past due (DPD) bucket. • Reported directly to the Supervisor/Manager regarding collection issues and delinquency status. • Allocated chronic and regular defaulters to field collectors for targeted field visits, while consistently following up and obtaining updates on their progress. • Ensured the database of customer information was regularly updated to facilitate ongoing collection efforts. • Monitored and ensured that all follow-up actions were recorded in the system, maintaining adequate trails on both intensity and coverage. • Addressed customer inquiries and provided assistance in resolving credit card concerns.