Ritu Sharma

• To gain an understanding of accounting and finance principles, and the dynamic local and international business environment.
• To learn to apply technical know-how and skills in business settings.

• To be aware of obligations under:

- Privacy Act 2020

- Anti-Money Laundering and Countering Financing of Terrorism Act 2009 - (AML/CFT Act)

- Credit Contracts and Consumer Finance Act 2003 (CCCFA)

- Credit (Repossession) Act 1997

- The Personal Property Securities Act 1999 (PPSA)

- Financial Markets Authority Act 2011

- Responsible Lending Code 2024

• Devised collection recovery strategies to resolve customer issues and delinquent cases.

• Reduced past-due balances and bad debt by coordinating collection efforts with customer service, sales, and billing departments.

• Responded to disputes calmly, and applied logical, knowledgeable approaches to devise solutions.

• Reaching out to customers in financial hardship, carrying out hardship assessments, adhering to CCCFA obligations, and conveying options to assist in account recovery.

• Dealing with budget advisors, insolvency offices, and credit reporting agencies.

• Organizing and issuing repossession authority for collateral wherever necessary.

• Enablement of security sales as per regulatory requirements.

• Exercise the care, diligence and skill of a responsible lender
• Make reasonable enquiries to assess suitability and measure affordability
• Help borrowers and guarantors make informed decisions
• Communicate the Terms of the Mortgage and Unsecured Loan contracts in a clear and concise manner
• Comply with CCCFA 2003 and Fair Trading Act 1986

• Reviewed customer applications closely to identify any opportunities for further development and revenue.
• Consulted with customers using positive communication and active listening skills, offering sound feedback and answering critical questions with effective solutions.
• mployed persuasive sales techniques to increase loan applications and overall loan value
• Assisting customers in making informed borrowing decisions by enabling new loans or refinance options that meet regulatory requirements under CCCFA
• Effectively manage daily individual CRM pipeline ensuring work queue and activity timelines are met while also providing back up to ensure workload is adequately managed for team members off work

• Coordinated promotional activities to increase customer awareness of hospitality services.
• Planned, organized and managed events, following client specifications to enhance satisfaction.
• tayed up-to-date with industry regulations and standards to offer compliant hospitality services.
• Monitored tables first-hand by continuously circulating to check on operations and correct deficiencies.
• Monitored food inventory and supplies to prevent waste.
• Scheduled and rotated staff for adequate coverage and fair distribution of workload.
• Continuously evaluated business operations to effectively align workflows for optimal area coverage and customer satisfaction.
• Addressed customer complaints with professional demeanor and used communication and problem-solving skills to resolve issues.
• Coordinated kitchen activities with front-of-house staff

• Assisted servers with specialty drinks orders by preparing on-demand items without delay.
• Adhered to regulatory requirements regarding alcoholic beverage services and customer regulations
• Strategized plans to increase bar revenue through innovative promotional concepts, specialty drinks, and customer-focused events
• Kept alcoholic and non-alcoholic beverages well-stocked and organized to meet expected demands.
• Created effective employee schedules maintaining coverage at peak times and minimizing labor costs
• Closed out cash register and prepared cashier report at close

• Identified, researched, and resolved billing variances to maintain system accuracy and currency.
• Worked effectively with residential and commercial payers to obtain timely and accurate payments.
• Assisted with billing inquiries and provided timely responses to enhance customer satisfaction.
• Contacted clients with past due accounts to formulate payment plans and discuss restructuring options.
• Generated and submitted invoices based upon established accounts receivable schedules and terms.
• Prepared and submitted monthly billing reports to management for financial overview.