Kimberly Neptune
Couva
Summary
Results-driven banking professional with over 10 years of experience in credit recoveries, collections, financial services, and customer operations. Expertise in reviewing credit accounts and customer financial circumstances, analyzing payment behavior, and identifying risk indicators to maintain accurate portfolio information. Proven ability to resolve complex account issues while recommending effective recovery and rehabilitation strategies, supported by a Process Engineering degree and a comprehensive understanding of banking policies and regulatory requirements. Recognized for adaptability, creativity, and a proactive approach to problem-solving, dedicated to making meaningful contributions that advance organizational goals.
Overview
7
7
years of professional experience
Work History
Recoveries Expert – Call Center
RBC Royal Bank
Chaguanas, Trinidad
08.2025 - Current
- Reviewed delinquent credit accounts and customer circumstances to determine effective recovery strategies and resolutions.
- Review delinquent credit accounts, customer circumstances and account information to determine appropriate recovery and resolution strategies.
- Analyze account activity and payment behaviour to identify risk indicators, recovery opportunities, discrepancies and appropriate actions.
- Maintained accurate customer and account information, ensuring reliable portfolio records and documentation for effective reporting.
- Balance risk, compliance, customer experience and business outcomes while managing recovery activities.
- Balanced risk, compliance, and customer experience while managing recovery activities to support business outcomes.
Financial Solutions Associate – Call Center
RBC Royal Bank
Chaguanas, Trinidad
07.2023 - 08.2025
- Reviewed customer information, identified financial risks and account needs, and provided appropriate banking solutions in line with policies and service standards.
- Delivered financial services and operational support to clients across the Pan-Caribbean market in a high-volume banking environment.
- Maintained accurate banking records while generating qualified referrals, enhancing business growth and customer retention.
- Identified account exceptions and inconsistencies, contributing to achievement of productivity, quality, and service-level targets.
- Supported digital banking adoption by educating clients on online and mobile solutions, improving client engagement.
Collections Advisor
Scotiabank Trinidad & Tobago
Chaguanas, Trinidad
05.2019 - 04.2022
- Managed high-volume portfolio of delinquent accounts, conducting account reviews, engaging customers, reconciling balances, and ensuring structured follow-up to maximize recovery.
- Assessed customer financial circumstances to develop tailored rehabilitation, repayment, and debt-collection solutions, enhancing customer satisfaction and recovery potential.
- Collected and reconciled overdue balances while following established recovery procedures and internal requirements.
- Managed a high-volume portfolio of delinquent accounts through account review, customer engagement, reconciliation and structured follow-up.
- Maintained accurate account records while collaborating with internal stakeholders to review cases, facilitating informed decisions and supporting effective portfolio management.
- Mentored new team members on recovery strategies, product knowledge and operational procedures.
Education
Bachelor of Science - Process Engineering
University of Trinidad & Tobago
Point Lisas01-2021
National Technician's Diploma - Chemical Engineering
University of Trinidad & Tobago
Point Lisas01-2015
Skills
- Collections Software
- Credit Management
- Reconciliation processes
- Credit risk management
- Financial portfolio assessment
- Risk assessment
- Financial analysis
- Regulatory compliance
- Client relationship management
- Customer Engagement
- Analytical thinking
- Issue Resolution
- Problem-solving
Section name
- Cover letter writing/chat conversation content and job-search advice shown in the screenshots, including references to First Citizens Senior Analyst – Corporate & Investment Banking, Trinidad Jobs, LinkedIn Jobs, CaribbeanJobs.com, HRC Associates Limited, Eve Anderson Recruitment, Regency Recruitment and Resources Ltd., and the suggested roles list (Credit Risk Analyst, Business/Operations Analyst, Compliance Officer/Analyst, AML/KYC Analyst/Officer, Process Improvement Analyst, Quality/Controls Analyst, Portfolio / Recoveries Analyst, Treasury Governance & Controls Analyst).
- The screenshots also contain interface text such as: Skip to content, ChatGPT, New chat, Scheduled, Library, Plugins, Explore, Projects, Remote Job, Recents, Loading chats, Share, Latest response, Choose Files, Thinking effort Instant, and other UI labels.
Personal Information
Title: CREDIT ANALYST | CREDIT RISK | PORTFOLIO MANAGEMENT | CLIENT RELATIONSHIPS
Timeline
Recoveries Expert – Call Center
RBC Royal Bank
08.2025 - Current
Financial Solutions Associate – Call Center
RBC Royal Bank
07.2023 - 08.2025
Collections Advisor
Scotiabank Trinidad & Tobago
05.2019 - 04.2022
Bachelor of Science - Process Engineering
University of Trinidad & Tobago
National Technician's Diploma - Chemical Engineering
University of Trinidad & Tobago