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Melody UserMU
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Melody User

@melodyuser4

Retail Collections Specialist at Mercedes-Benz Bank GmbH, negotiating sustainable repayment arrangements and resolving complex customer accounts.

Germany
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At Mercedes-Benz Bank GmbH, I manage customer accounts in the UK Retail Collections division, supporting people experiencing financial difficulties while balancing recovery objectives and regulatory requirements.

I negotiate sustainable repayment arrangements based on affordability assessments and individual circumstances. I also handle disputes and complaints in line with FCA regulations and internal policies.

I work with Litigation, Recoveries, Customer Service, and third-party partners to resolve complex account issues. I’ve built cross-functional relationships that improved case resolution efficiency and reduced delays in complex customer journeys.

Earlier, I worked as a Sales Representative at Noble Sky Financial Services and as a Junior Accountant at Çan Kesanli & Co Certified Public Accountants. My accounting work included managing accounts payable and receivable, processing transactions, and assisting with financial statements.

Experience

Work history, roles, and key accomplishments

Mercedes-Benz Bank GmbH logoMG
Current

Retail Collections Specialist

Mercedes-Benz Bank GmbH

Aug 2023 - Present (3 years 2 months)

Manage customer accounts within the UK Retail Collections division, supporting customers in financial difficulty while balancing recovery objectives and regulatory requirements. Negotiate sustainable repayment arrangements and collaborate with internal teams to resolve complex account issues.

NS

Sales Representative

Noble Sky Financial Services

Jan 2021 - Dec 2022 (1 year 11 months)

Proactively engaged prospective customers through telephone, email, and digital marketing channels. Assisted customers throughout their onboarding journey and maintained accurate customer records.

Education

Degrees, certifications, and relevant coursework

BB

Berlin School of Business

Master of Science (MSc.), Finance & Investment

Pursued a Master of Science in Finance & Investment, accredited with UCA, London, UK.

CU

Cyprus International University

BSc (Honors), Accounting and Finance

Completed a Bachelor of Science in Accounting and Finance with Honors.

Tech stack

Software and tools used professionally

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