Kinjal Vaghela
Scarborough,ON
Summary
Results-driven Financial Services professional with almost 3 years of experience at American Express managing high-volume credit portfolios, collections, and customer accounts. Experienced in payment negotiations, risk mitigation, and regulatory compliance. Proven record of exceeding performance targets, improving recovery rates, and delivering strong client relationships.
Overview
6
6
years of professional experience
Work History
Financial Services Representative
Gatestone & Co.-American Express U.S
North York, ON
04.2023 - Current
- Manage 150–180 customer credit accounts daily including delinquent balances and payment disputes
- Handled inbound/outbound calls per day while maintaining quality and compliance standards using AS-400 and LiveVox CRM system.
- Negotiate payment plans and settlements, improving monthly recovery rates and reducing outstanding balances
- Consistently achieve 95–115% of monthly collection targets
- Ensure strict adherence to financial regulations, privacy, and compliance policies
- Promoted from 3rd-party to 1st-party Amex team based on performance and quality metrics
Sales Specialist
Connect6 Group
North York, ON
10.2022 - 02.2023
- Engaged 150+ customers daily, recommending telecom products and services
- Developed tailored sales strategies to enhance client engagement and drive revenue growth.
- Achieved sales targets through consultative selling and relationship management
Account Executive
Ramani and Vasoya Chartered Accountants
Gandhinagar, India
02.2020 - 06.2021
- Managed Accounts Payable/Receivable for 20+ business clients
- Processed monthly payroll for 100+ employees using Xero software.
- Cultivated strong client relationships to enhance account retention and satisfaction.
- Prepared GST filings, tax returns, and financial statements ensuring 100% compliance
- Assisted in year-end audits, budgeting, and financial forecasting
- Reviewed and reconciled high-volume transactions and ledgers to minimize errors
Education
Post Grad. Cert. - International Business Management
Seneca College
North York, Canada04.2022
Post Grad. Cert. - Supply Chain Management and Global Logistics
Seneca College
North York, Canada08.2021
Bachelor of Commerce - Accounting And Finance
Government Commerce College
India04.2016
Skills
- Credit & Account Management
- Payment negotiation expertise
- Banking Operations & Financial Transactions
- Risk Assessment, Compliance & Fraud Prevention
- Accounts Payable/Receivable & Reconciliation
- Financial Reporting & Data Analysis (Excel)
- CRM & Banking Systems (AS-400, LiveVox, QuickBooks, Xero)
- Customer Portfolio & Relationship Management
- Problem Solving & Analytical Thinking
- Goal-driven execution in high-volume contexts
Languages
English
Hindi
Gujarati
Timeline
Financial Services Representative
Gatestone & Co.-American Express U.S
04.2023 - Current
Sales Specialist
Connect6 Group
10.2022 - 02.2023
Account Executive
Ramani and Vasoya Chartered Accountants
02.2020 - 06.2021
Post Grad. Cert. - Supply Chain Management and Global Logistics
Seneca College
Post Grad. Cert. - International Business Management
Seneca College
Bachelor of Commerce - Accounting And Finance
Government Commerce College