RICHA JOSHI

• Responsible for the collection of relevant information for new customers, analysis and preparation of lending applications within credit policy and procedures and where applicant meets criteria package a loan offer that will meet their financial needs.
• Responsible for lending within credit policy and procedures to ensure compliance quality and containment of risk.
• Assist brokers with completing loan applications and other paperwork.
• Utilises problem-solving skills to rectify situations where the customer’s loans require adjustment example a loan rewrite.
• Responsible for all inbound calls within the service standard requirement to assist brokers with completing customer's applications.
• Ensures compliance with all legislation, regulations and company policies including but not limited to the Financial Advisers Act 2008, the Credit Contracts and Consumer Finance Act 2003, and the Privacy Act 1993

• Assess each Personal loan application in line with CCCFA and making decisions depending on each customer’s financial situation. Processing Gem and Kiwibank Personal Loan Application.
• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Conduct Credit checks for each applicant and identifying credit inquiries, credit profile and credit issues.
• Established plans and payoffs for customers' loans, prioritizing control of overall costs.
• Developed and maintained courteous and effective working relationships.
• Work on end-to-end process right from first point of contact with customer till settlement of the loans.
• Aiming on One call Resolutions

• Assisted debtors in setting up payment plans to recover overdue balances.

• Monitored accounts for compliance with established payment plans and flagged those in violation.

• Advised customers of necessary actions and strategies for debt repayment.

• Verified and reviewed customer account information.

• Located and monitored overdue accounts by using automated systems.

• Used skip tracing tools to locate clients.

• Maintained high volume of calls to meet demands of busy group

• Handled 80 to 100 outbound and inbound calls daily with goal of collecting owed debt

• Monitored accounts for compliance with established payment plans and flagged those in violation.
• Counselled debtors on payment options and arranged instalment agreements.
• Processed payments and applied to customer balances.
• Negotiated to collect in full.
• Processed payments and contracts on accounts.
• Recorded all information regarding financial status of customers. Achieved performance goals on consistent basis.
• Worked in call centre environment handling manual and automatically dialled outbound calls. Maintained high volume of calls to meet demands of busy group. Delivered exceptional customer service on all calls while maintaining calm and professional demeanour in challenging circumstances.
• Handled 50 outbound and inbound calls daily with goal of collecting owed debt