Chanel Melville
Arima
Summary
Highly Skilled Digital Recoveries Specialist and Team Lead with a proven track record at Scotiabank T&T Limited, enhancing recovery rates and streamlining collection processes. Expert in debt recovery strategies and a strong people manager, I excel in driving team performance and customer satisfaction. Achieved significant results in collections effectiveness through analytical thinking, understanding diverse portfolios, building a high-performing team, focusing on goals and effective communication.
Overview
6
6
years of professional experience
Work History
DIGITAL RECOVERIES SPECIALIST
Term Finance
Port-of-Spain
10.2023 - Current
- I am responsible for the maximization of collection recoveries on assigned small business accounts, while minimizing collection costs and loan losses. To conduct timely, effective collection follow-up and activity on assigned Small Business accounts in varying stages of arrears, where potential for risks may occur.
- Manage the delinquency portfolio and implement different strategies to improve recovery efforts.
- I am responsible for all queries related to Small Business accounts.
- Processing of payments.
- Providing weekly aging reports and analyzing data.
- Managing bailiffs and external collection entities.
- Identified needs of customers promptly and efficiently.
HELP LOAN PROJECT-TEAM LEAD (ASSISTANT MANAGER)
Scotiabank T &T Limited
07.2022 - 08.2023
- Leading a team of 10 people on this special project geared toward recoveries for the banks' profits.
- Responsible for all recovery efforts on this project.
- Providing administrative services, frequent progress reporting, and leaning on supervisory experience to help guide the team while keeping relevant stakeholders abreast.
COLLECTIONS TEAM LEAD-ASSISTANT MANAGER
Scotiabank T &T Limited
Chaguanas
04.2019 - 05.2022
- Reviewed reports on employee attendance, productivity and effectiveness to evaluate performance.
- Developed strategies to improve the overall effectiveness of the collections process.
- Implemented collection strategies to maximize recovery rates.
- Coordinated with other supervisors, combining group efforts to achieve goals.
- Recommended solutions related to staffing issues and proposed procedural changes to managers
- Discussed job performance problems with employees, identifying causes and issues to find solutions.
- Implemented departmental policies and standards in conjunction with management to streamline internal processes.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Monitored daily performance metrics and provided feedback to staff on their progress.
- Resolved customer complaints or answered customers' questions.
Education
Bachelors Degree (BSC) (minor in HR) - Psychology
COSTAATT
Port-of-Spain11-2013
Associate Degree - Psychology
COSTAATT
Port-of-Spain11-2009
Skills
- Strong People Manager skills
- Strong Behavioural Competencies/skills: Customer Focus, Accuracy & Thoroughness, Diligent, Interpersonal skills, Reliable, Effective Communication skills, Team oriented, Flexible, Self-sufficient
- Quality assessment
- Coaching and mentoring
- Analytical thinking
- Customer relations
- Team performance improvement
- Strong negotiation skills
- Professionalism and ethics
- Patience and persistence
- Goal setting strategies
- Collections best practices
- Debt recovery strategies
- Debt recovery expertise
- Team management
Accomplishments
3 Times Top Sales Referrer
Chief Balancing Teller
Employee of the Month- September 2012
Top Back-End Adjustor 2015
Top Collections Team Lead in 2020 and 2021
Completed course-Mastering Difficult Conversations
Successful candidate as part of the Cross-Training Program for Fiscal 2021 & 2022 in the department of (Operations and Admin-with HR related areas & Manager-Litigation)—Scotiabank
Timeline
DIGITAL RECOVERIES SPECIALIST
Term Finance
10.2023 - Current
HELP LOAN PROJECT-TEAM LEAD (ASSISTANT MANAGER)
Scotiabank T &T Limited
07.2022 - 08.2023
COLLECTIONS TEAM LEAD-ASSISTANT MANAGER
Scotiabank T &T Limited
04.2019 - 05.2022
Bachelors Degree (BSC) (minor in HR) - Psychology
COSTAATT
Associate Degree - Psychology
COSTAATT
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