Cherry Lou Cubacub
Spring Mountain,QLD
Summary
I would like to be a part of an organization with a supportive and positive team culture and a company that will provide ample room for development both personal and professional growth.
Work Experiences:
- Car Finance Industry
- Debt Collections Industry
- Sales (Banking Industry)
- Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
- More than 6 years of experience with Car Finance
- More than 10 years of experience with Recoveries and Debt Collections working on consumer, commercial and B2B accounts.
- Strong Administration skills and great communicator with strong attention to detail and superior work ethic.
- Dispute resolution (verbal and written)
Overview
19
19
years of professional experience
Work History
Contracts Coordinator
Alpha Car FInance
Brisbane City, QLD
05.2020 - Current
- Maintained up-to-date knowledge of relevant laws, regulations, standards, procedures, and best practices related to contracting processes.
- Coordinated with internal teams to identify contractual needs and objectives.
- Drafted new contracts based on established templates or negotiated terms.
- Manage Contract amendments and making sure that all parties involved in the process were aware of their respective responsibilities under the agreement.
- Monitored contract performance, ensuring adherence to terms and conditions.
- Setting up the customer's profile on the system, assigning them to an Account Manager, and setting up their direct debit with the bank.
- I'm also responsible in registering the financed vehicles on PPSR data base to secure our asset.
- Reconciling Bookings, Deliveries and executed Contracts at the end of each month for reporting to CEO and CFO and other department heads.
- I also action Returns and Terminated Contracts ensuring that all the steps and correct process is followed properly.
Compliance Coordinator
Alpha Car Finance
Brisbane City, QLD
08.2018 - 05.2020
- Kept up-to-date records of industry based knowledge and certifications to be able to review and develop Alpha's standards policies and procedures and to ensure compliance to any legislative requirements,
- As a subject matter system expert to provide support and to design and deliver compliance training material.
- Assisted in developing internal training programs related to regulatory compliance matters.
- Coordinated annual reviews of company policies by external auditors.
- Maintained records of all communications with relevant government agencies.
Collections Manager
Alpha Car Finance
Fortitude Valley, QLD
02.2018 - 08.2018
- Oversees the collection of overdue accounts
- Recover overdue loan repayments from our customers through phone, email, and SMS contact
- Responsible in managing own portfolio as well as overseeing the individual portfolio of the team
- Provides training and coaching for the team.
Commercial Account Manager
Dun and Bradstreet Pty Ltd
Milton, QLD
06.2016 - 10.2017
- Conducted periodic reviews of customer accounts and maintains client's portfolio to ensure efficient recovery and satisfaction levels are met.
- Administration and written communication with clients, debtors, accountants, and solicitors to maintain and monitor accounts to ensure efficient recovery
- Where applicable, action all Personal Collector calls in a timely manner with a view to getting a payment commitment, payment plan, or dispute resolution.
- Ensured compliance with all applicable laws, regulations, policies, and procedures.
Senior Collections Officer
Dun and Bradstreet New Zealand
Auckland, New Zealand
10.2011 - 06.2016
- Assists the team leader in managing the client's portfolio
- System and Process Training for new employees
- Monitoring the performance of the team member to assist the team leader assess the team member's performance
- Action/respond to all written and verbal communication/disputes with assigned customers and debtors to ensure collection activity runs smoothly and efficiently
- Plan debt recovery action in relation to targets, commission rates, and renewals
- Assisted in developing new policies and procedures relating to collections processes.
- Provided feedback on existing processes for improvement opportunities.
Collections Officer
Dun and Bradstreet New Zealand
Auckland, New Zealand
01.2009 - 01.2011
- Maintain and monitor accounts to ensure efficient recovery
- Receiving inbound calls and making outbound calls with a view to getting a payment commitment, payment plan, or dispute resolution.
- Administration and written communication with clients, debtors, accountants, and solicitors to maintain and monitor accounts to ensure efficient recovery
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals when dealing with a high volume of debtors, manage and prioritize workload
Collector/Customer Service
Receivable Management Outsourcing Department
01.2007 - 01.2009
- Being first point of contact for overdue accounts
- Making outbound and receiving inbound calls
- Using various programs in order to complete work-related tasks
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
- Maintained accurate records of all collection activities in the system database.
- Created repayment plans based on account holders' financial status and repayment abilities.
Fraud Operations Department
JPMorgan CHASE Bank
Makati, Philippines
04.2007 - 09.2007
- Fraud Analyst
- Identifying and tagging fraudulent activity on the account
- Processing Security Fraud report.
Outsell Department
JPMorgan CHASE Bank
Makati, Philippines
09.2006 - 03.2007
- Customizing the account for the new credit card holders
- Selling fee-based program that will protect customers from identity theft
- Processing Balance transfers for the card members.
Credit Card Acquisition
APAC Customer Services Inc.
Alabang, Philippines
06.2005 - 04.2006
- Customer Service Representative
- Selling HSBC credit cards over the phone.
Education
Bachelor of Tourism Hotel and Travel Industry Management -
Pamantasan ng Lungsod ng Maynila (University of the City of Manila)
Las Piñas National High School
Skills
- Proficient in Word, Excel and Powerpoint
- Status Reporting
- Confidential records
- Proposal Development
- Document Control
- Workflow Management
- Compliance Enforcement
- Staff Training
Citizenship
NZCitizen
Personal Information
- Place of Birth: Manila, Philippines
- Height: 5'
- Date of Birth: 02/06/84
- Marital Status: Married
- Religion: Christian
References
- Ben Steel - Chief Executive Officer, Alpha Finance - 0413 389 612
- Barbara Waterman - General Manager of Compliance - 0418 711 965
Timeline
Contracts Coordinator
Alpha Car FInance
05.2020 - Current
Compliance Coordinator
Alpha Car Finance
08.2018 - 05.2020
Collections Manager
Alpha Car Finance
02.2018 - 08.2018
Commercial Account Manager
Dun and Bradstreet Pty Ltd
06.2016 - 10.2017
Senior Collections Officer
Dun and Bradstreet New Zealand
10.2011 - 06.2016
Collections Officer
Dun and Bradstreet New Zealand
01.2009 - 01.2011
Fraud Operations Department
JPMorgan CHASE Bank
04.2007 - 09.2007
Collector/Customer Service
Receivable Management Outsourcing Department
01.2007 - 01.2009
Outsell Department
JPMorgan CHASE Bank
09.2006 - 03.2007
Credit Card Acquisition
APAC Customer Services Inc.
06.2005 - 04.2006
Bachelor of Tourism Hotel and Travel Industry Management -
Pamantasan ng Lungsod ng Maynila (University of the City of Manila)
Las Piñas National High School
Similar Profiles
PASAN MADIHE ARACHCHIGEPASAN MADIHE ARACHCHIGE
Customer Relation Representative at Alpha Car HireCustomer Relation Representative at Alpha Car Hire
PASAN MADIHE ARACHCHIGEPASAN MADIHE ARACHCHIGE
Customer Relation Representative at Alpha Car HireCustomer Relation Representative at Alpha Car Hire
MUHAMMAD ALMUSAWIMUHAMMAD ALMUSAWI
Finance Manager at Alpha Car LeasingFinance Manager at Alpha Car Leasing