Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Hobbies and Interests
Interests
Award for Collections Certificate
Timeline
Generic

Constance Siatoo

Glenfield,New South Wales

Summary

Debt collections professional with comprehensive experience in managing overdue accounts and negotiating repayment terms. Proven ability to work collaboratively within team to achieve high recovery rates and adapt to changing priorities seamlessly. Known for strong analytical skills and excellent customer service, persisting in difficult situations to achieve results.

Professional with experience in debt recovery, equipped to drive positive outcomes. Skilled in negotiation, conflict resolution, and financial analysis. Strong focus on team collaboration and adapting to changing needs. Known for reliability and achieving results.

Experienced with negotiating payment plans and resolving debt-related issues efficiently. Utilizes effective communication and critical thinking to ensure compliance and client satisfaction. Track record of maintaining high recovery rates and fostering positive relationships with clients.

Ambitious Collections Officer with more than 12 years of experience in debt collection and collections processing. Successful in following up on past due accounts and recouping unpaid balances. Outstanding negotiator skillful in creating manageable repayment plans to reduce debt.

Veteran Collections Officer bringing 12 -year background to growing collections agency. Expert in debt collections, repayment negotiations and repayment plan development. Successful in managing escalated accounts and producing aging reports to cut down delinquent invoices.

Responsible Collections Specialist looking for position with increased responsibility. Proficient in compliance requirements, and payment schedules. Accurate in processing payments and efficient in completing daily tasks in fast-paced environments.

Dependable Collections Specialist successful at meeting high productivity, quality and performance standards. Efficient and competent professional.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Debt Collections Officer

News Corp Australia
07.2012 - 05.2024
  • Maintained detailed records of all collection activities, ensuring compliance with legal requirements and company policies.
  • Reduced delinquency rates by initiating proactive communications with debtors and offering tailored payment solutions.
  • Collaborated with cross-functional teams to streamline collections processes for better efficiency and effectiveness.
  • Assisted clients in understanding their financial obligations, leading to improved repayment outcomes and reduced defaults.
  • Analyzed account histories to uncover discrepancies or inaccuracies, enabling more accurate collections efforts.
  • Prepared comprehensive reports on collection activities, enabling informed decision-making by management regarding resource allocation and strategy development.
  • Increased collection of outstanding payments within personal finance department as individual contributor in collections process.
  • Streamlined internal reporting systems by automating data entry processes, increasing accuracy while reducing time spent on administrative tasks.
  • Managed a portfolio of delinquent accounts efficiently by prioritizing cases based on risk assessment criteria.
  • Answered customer questions regarding accounts.
  • Worked closely with the legal department on escalated cases, ensuring timely resolution of complex collection matters.
  • Improved debt recovery rates by implementing effective collections strategies and maintaining consistent follow-up procedures.
  • Maintained daily, weekly and monthly collection and metric goals.
  • Arranged for repayment or established repayment schedules based on customers' financial situations.
  • Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.

Collections Officer

HSBC Bank
12.2010 - 09.2011
  • Maintained strong customer relationships through respectful communication and effective problem-solving techniques.
  • Established positive rapport with clients, fostering trust and open lines of communication throughout the collections process.
  • Managed a portfolio of delinquent accounts, effectively prioritizing high-risk cases to minimize potential losses.
  • Maintained accurate records of all collections activities, ensuring proper documentation for auditing purposes.
  • Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
  • Verified and reviewed customer account information.
  • Evaluated customer financial situations, offering tailored solutions that promoted successful repayments while minimizing risk exposure for the company.
  • Initiated negotiations for debt recovery through email, telephone, and mail contact.
  • Improved client payment rates by negotiating and establishing feasible repayment plans.
  • Contributed to departmental goals by consistently meeting or exceeding monthly collection targets.
  • Reviewed and analyzed credit reports to assess risk factors, aiding in the decision-making process for account management strategies.
  • Received inbound calls and answered questions from customers satisfactorily.
  • Participated in regular team meetings to discuss progress toward goals, share best practices, and address any challenges faced within the department.
  • Ensured compliance with federal and state regulations by staying up-to-date on industry standards and best practices.
  • Reduced company losses by identifying and addressing problematic accounts in a timely manner.
  • Assisted debtors in setting up payment plans to recover overdue balances.
  • Collaborated with other departments to streamline the collections process, resulting in improved productivity.

Despatch Clerk

B E Campbell(NSW) PL
12.2009 - 02.2010
  • Performed routine administrative work with customer assistance, cashiering and data.
  • Proactively identified and resolved potential conflicts or delays in the dispatch process, ensuring minimal disruption to operations.
  • Collaborated with management to review and improve dispatch policies and procedures for enhanced operational efficiency.
  • Developed strong relationships with carriers and negotiated favorable rates to minimize transportation costs.
  • Safeguarded sensitive information by adhering to strict confidentiality protocols when handling customer data or private company records.
  • Maintained contact with units on assignment to provide further assistance and support when needed.
  • Maintained a clean and orderly dispatch area, fostering a professional environment conducive to productivity and team morale.
  • Assisted in the recruitment and training of new dispatch personnel, ensuring smooth onboarding and consistent performance standards.
  • Boosted customer satisfaction with prompt resolution of inquiries, complaints, and special requests.
  • Contributed to a positive workplace culture through active participation in team meetings, collaborative projects, and ongoing professional development initiatives.

Education

No Degree - Customer Service Skills

Australian School of Business
02-2020

Skills

  • Debt recovery
  • Goal oriented
  • Settlement negotiation
  • Dispute resolution
  • Payment arrangements
  • Collections strategy
  • Call centre experience
  • Complex Problem-solving
  • Customer research
  • Performance improvements
  • Negotiation
  • Problem-solving
  • Time management
  • Attention to detail
  • Problem-solving abilities
  • Multitasking
  • Reliability
  • Excellent communication

Accomplishments

  • Achieved Collections by introducing Banking Options via Bpay and Direct Debit for ontime payments.
  • Documented and resolved delivery which led to quicker payments.
  • Achieved payments by completing Direct Debit details with accuracy and efficiency.

Certification

  • Certified JavaScript Developer, 2019
  • AWS Certified Solutions Architect, 2020

Languages

English (Fluent)
Spanish (Intermediate)

Hobbies and Interests

Cooking,

Baking,

Cross stictch

Knitting

Stamp Collecting

Crochet

Reading novels

Watching movies


Interests

  • Enjoying the art of baking and pastry-making, experimenting with recipes
  • Participating in cooking contests and challenges to showcase culinary skills and creativity
  • Engaging in food photography and sharing culinary creations on social media
  • Baking
  • Learning new cooking techniques and expanding my culinary skills
  • Crafting homemade beer using specialized equipment and brewing techniques
  • Volunteering at community kitchens and food-related charities
  • Enjoy experimenting with different ingredients and flavors in the kitchen
  • Crafting and DIY Projects
  • Fundraising Events
  • Participating in fundraising events to support local charities, schools, or community projects
  • Knitting and Crocheting
  • Reading
  • Avid Reader
  • Watching Movies and TV Shows

Award for Collections Certificate

Received a award for collections and an early bird award for always being on time and early for work.

Timeline

Debt Collections Officer

News Corp Australia
07.2012 - 05.2024

Collections Officer

HSBC Bank
12.2010 - 09.2011

Despatch Clerk

B E Campbell(NSW) PL
12.2009 - 02.2010

No Degree - Customer Service Skills

Australian School of Business

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Constance Siatoo