ALIYA SHAIKH
Collection Specialist
Experienced Collection Specialist with a robust background in financial remediation and debt recovery. Proven track record in developing strategic collection plans that maximize recovery rates and managing high-value accounts, while demonstrating advanced negotiation techniques and analytical skills. Focused on leveraging expertise in debt collection laws and client relationship management to drive organizational success. Recognized for mentoring junior collectors and implementing effective training programs.
Dubai, UAE
0+
Years experience
0
Languages
0
Skills
Work Experience
Financial Remediation & Collections Specialist
Emirtes NBD Bank Global Services
Sep 2025 — PresentCurrentDubai, UAE
- Approach and engage potential customers to promote credit card products
- Explain credit card features, benefits, and offers clearly to clients
- Conduct sales presentations at airport kiosks and banking booths
- Meet daily and monthly sales targets set by the bank
- Collect and verify customer documentation for credit card applications
- Perform field visits to corporate offices, retail stores, and public places for leads
- Maintain accurate records of leads, follow-ups, and conversions
- Build strong customer relationships to ensure client satisfaction
- Identify client needs and recommend suitable credit card options
- Coordinate with the back-office team for application processing
- Handle customer queries, objections, and concerns professionally
- Conduct cold calling and telephonic follow-ups with prospects
- Ensure compliance with bank policies and regulatory guidelines
- Participate in promotional events, activations, and campaigns
- Submit daily activity reports to sales managers
- Perform credit checks and eligibility assessments
- Maintain high levels of confidentiality with customer information
- Upsell additional services like loans or insurance linked to cards
- Stay updated with new product launches and competitor offerings
- Attend regular team meetings and sales training sessions
Recovery & Collections Specialist
Hadaf Al Khaleej Debt Collection
Jul 2023 — Aug 2025Sharjah, UAE
- Managed and followed up on delinquent customer accounts to recover overdue payments and outstanding installments.
- Contacted customers through appropriate channels to discuss overdue obligations, understand payment challenges, and facilitate timely repayments.
- Monitored assigned portfolios and worked toward monthly collection and recovery targets.
- Maintained accurate and up-to-date customer and account information in banking systems, including recording collection activities and action codes.
- Followed up on customer commitments and payment arrangements to improve account performance and minimize delinquency.
- Focused on increasing account inflows/back-flow accounts by encouraging customers to regularize overdue installments.
- Handled customer queries professionally while maintaining a strong focus on customer satisfaction and service quality.
- Identified payment issues and used effective communication and problem-solving skills to support successful collections.
- Prepared and maintained accurate records, reports, and operational updates related to assigned accounts.
- Adhered to Emirates NBD policies, procedures, service standards, and operational controls while handling customer accounts.
- Collaborated with internal teams to resolve account-related issues and support achievement of departmental objectives.
- Demonstrated strong performance against assigned KPIs and collection targets while maintaining quality and compliance standards.
Cashier & Sales Officer
Toffee Al Mashal
2022 — 2023Kuwait
- Assist in preparing budgets by coordinating with management and staff to ensure alignment with organizational goals
- Ensure all financial activities comply with organizational guidelines, federal, and state regulations
- Resolve issues related to accounts payable and receivable, ensuring timely payments and receipts
- Conduct daily reconciliations of cash, check, and credit card transactions to maintain financial accuracy
- Assist in financial and tax audits, and prepare general ledger entries to support financial reporting
- Assist in preparing income tax returns and corporate reporting requirements to ensure timely submission
- Prepare monthly financial statements, including cash flow, profit and loss statements, and balance sheets
- Participate in end-of-month close procedures to ensure all financial transactions are accurately recorded
Relationship Officer
Quess - Axis bank
2021 — 2022India
- Approach and engage potential customers to promote credit card products
- Explain credit card features, benefits, and offers clearly to clients
- Conduct sales presentations at airport kiosks and banking booths
- Meet daily and monthly sales targets set by the bank
- Collect and verify customer documentation for credit card applications
- Perform field visits to corporate offices, retail stores, and public places for leads
- Maintain accurate records of leads, follow-ups, and conversions
- Build strong customer relationships to ensure client satisfaction
- Identify client needs and recommend suitable credit card options
- Coordinate with the back-office team for application processing
- Handle customer queries, objections, and concerns professionally
- Conduct cold calling and telephonic follow-ups with prospects
- Ensure compliance with bank policies and regulatory guidelines
- Participate in promotional events, activations, and campaigns
- Submit daily activity reports to sales managers
- Perform credit checks and eligibility assessments
- Maintain high levels of confidentiality with customer information
- Upsell additional services like loans or insurance linked to cards
- Stay updated with new product launches and competitor offerings
- Attend regular team meetings and sales training sessions
Skills
Advanced negotiation techniquesDebt collection laws knowledgeSkip tracing methodsManaging delinquent accountsAnalytical skillsConflict resolutionCollection software proficiencyCredit reporting processesStrategic collection plansCommunication skillsLegal procedures knowledgeMentoring junior collectorsProblem-solving skillsData analysisClient relationship managementCritical ThinkingTime ManagementCommunicationProblem SolvingExpertise in developing strategic collection plansAdvanced communication skills for handling sensitive conversationsKnowledge of legal procedures related to debt recoveryExpertise in mentoring and training junior collectorsAdvanced problem-solving skills for resolving complex billing issuesProficiency in data analysis and reporting on collection activitiesExpertise in managing high-value and high-profile accountsStrong understanding of industry specific collection practicesProficiency in developing and implementing collection policiesExpertise in coordinating with legal teams for litigation processesAdvanced time management skills for handling multiple prioritiesProficiency in predictive modeling for identifying high-risk debtorsExpertise in utilizing AI-based collections software for efficiencyStrong understanding of GAAP (Generally Accepted Accounting Principles)Expertise in preparing and submitting legal documents for court filingsExpertise in analyzing accounts for potential legal actionAdvanced skills in developing and maintaining client relationships
Education
Bachelor of Commerce, Commerce
IIMS, Mumbai
Languages
English
Native
Konkani
Fluent
Hindi
Fluent