Allen Jayaratnam
Keswick,Ont
Summary
To secure a rewarding position where my proven and developing skills will allow me to contribute to the goals of the organization while furthering my professional growth.
Steadfast Financial Senior Collections Officer with strong interpersonal and communication skills with exceptional service throughout credit and debt recovery for clientele. Efficient and accurate planning to meet and exceed business financial goals. Dedicated excellence in management skills with relationship building and excellent problem-solving skills.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Sales and Rewards Specialist
PC Financial Service Ltd
01.2020 - Current
- Engage with customers to educate and promote President's Choice Financial products
- Approach each situation with confidence and enthusiasm to promote and sell wide selection of products and solutions
- Demonstrate leadership and leverage sales potential as become product expert and achieve sales targets
- Take pride in understanding customer needs as continue to build customer-centric environment
- Create excitement around product offerings, by being subject matter expert and advocate for brand/product
- Offer exceptional advice and product knowledge.
Senior Collections Officer
FINANCIAL DEBT RECOVERY LTD.
01.2014 - 01.2018
- Worked on three major portfolios: TD Canada Trust, Scotia Dealer Advantage & Canada Mortgage House Incorporation
- Conducted daily call audits and provided ongoing feedback to agents through call collaborations
- Developed present and future strategies to increase clients' investments incoming through procedural and investment methods
- Provided information to customers regarding interest rates, service charges, B Lender Load company information, and alternative delivery channels
- Implemented prompt action to resolve administrative emergencies such as customer complaints
- Tracked and prepared quarterly reports of sales goals/payment arrangements to management
- Made prospect arrangements with existing and prospective customers and gave ademonstration of the method of payment and consequences
- Recorded name, address, and purchase as well as the reaction of prospects solicited using a computerized system that verified the accuracy of all information and corrected any discrepancies therein
- Evaluated employee performance, coached and trained to improve areas that required improvement for them
- Handled supervisor calls regarding different complaints (legal, media, business, bureau, etc.) and maintained an internal log.
Senior Collections Officer
TDCanadaTrust, Capitalone, CHMC ( Total Credit Recovery Ltd )
01.2003 - 01.2014
- Arranged debt repayment schedules, based on customers' financial situations
- Persuaded customers to pay amounts due on credit accounts, damage claims, or non-payable checks, or to return merchandise
- Traced delinquent customers to new addresses by inquiring post offices, telephone companies, credit bureaus or through questioning of neighbors
- Analyzed and monitored payments made via bank/lender company and through phone system
- Performed necessary follow-up with customers who have not met terms of DPA/PAP
- Skip trace to find phone numbers, addresses, references, and places of employment
- Overlooked transactions and ensured completion of reports/files and its related documentation
- Resolved a wide range of customer service problems.
Customer Service Representative
TD CANADA TRUST
01.2000 - 01.2002
- Understood and met all customer's needs through immediate service in both a professional and accurate manner
- Provided information to customers including interest rates, service charges, alternative delivery channels, and basic accounts
- Processed transactions in an accurate, efficient, and timely manner within prescribed transactional entry processing benchmark
- Collected overdue balances in compliance with all applicable regulations and internal performance standards to meet or exceed monthly goal objectives of personal and/or departmental target
- Assisted customers with refinancing their property and educated them about credit scores to pay delinquent accounts.
Education
Bachelor of Arts - Accounting/ Finance
University of Colombo, Sri Lanka
University Of Colombo, Sri Lanka09.2000
Skills
- Microsoft Computer skills: MS Office Software (ie Word, Excel, Powerpoint, Outlook, Access Publisher, and Teams)
- Customer Service Skills: Strong communication, interpersonal skills, & team worker
- Effective presentation and product demonstration skills
- Key Skills: financial analysis aptitude, credit, financial advising, risk management assessments
- Organizational & Fundamental skills: Organization, data entry skills, general math skills, analyzing information, reporting research results
- Management skills: Ability to multitask, detailed planning, prioritize, and manage time and employees effectively
Professional Development
- Microsoft Certified Professional (MCP) 1999
- Windows NT Workstation 4.0
- Window N.T Server 4.0
Computer Experience
- Software: MS Office 98, lotus 1-2-3, database.
- Operating System: MS –Dos, MS- Windows NT 4.0, Server 4.0, MS Win 95/98
- Computer Point India.
- Diploma: Programming Application.
Attributes Profile
- Dedicated, hardworking organized team player with a positive attitude.
- Detail-oriented with excellent troubleshooting and problem-solving abilities.
- Capable of establishing and maintaining productive and profitable relationships with clients.
- Effective sales presentation and product demonstration skills.
- Sound Time management skills. Able to establish and meet priorities.
- Strong communication and interpersonal skills. Always courteous and professional.
- Skillful in learning new methods and procedures very quickly.
References
Available upon request.
Languages
English
Native or Bilingual
Tamil
Native or Bilingual
Certification
Travel and Tour Management
Cricket/ Soccer
Played for Ontario First Division. playing Ontario Cricket Club / Old School team.
Timeline
Sales and Rewards Specialist
PC Financial Service Ltd
01.2020 - Current
Senior Collections Officer
FINANCIAL DEBT RECOVERY LTD.
01.2014 - 01.2018
Senior Collections Officer
TDCanadaTrust, Capitalone, CHMC ( Total Credit Recovery Ltd )
01.2003 - 01.2014
Customer Service Representative
TD CANADA TRUST
01.2000 - 01.2002
Bachelor of Arts - Accounting/ Finance
University of Colombo, Sri Lanka
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