Open to opportunities

Saher Afshan

@saherafshan

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Ambitious Collections & Recovery Specialist with extensive credit risk experience.

Estonia

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What I'm looking for

I am looking for a role that offers growth opportunities, a supportive culture, and challenges that allow me to leverage my skills in credit risk and collections.

I am an ambitious Collections & Recovery Specialist with over nine years of experience in the Credit Risk, Collections, and Recovery sectors. My journey has taken me through esteemed organizations such as Barclays Bank, United Bank Limited, Citi Bank, and currently, CMA CGM. I have a proven track record of managing global portfolios, reducing credit losses, and implementing effective collection strategies.

At CMA CGM, I am responsible for overseeing the entire portfolio of global business customers based in the Netherlands. My analytical skills allow me to monitor performance and productivity effectively, ensuring we meet our targets. I lead a team of collectors, developing strategies to prioritize accounts with credit risks while utilizing advanced Excel techniques to manage and analyze data efficiently.

Throughout my career, I have honed my negotiation skills and have successfully supervised international debt recovery agencies to minimize losses. I am passionate about continuous growth and am eager to embark on a new role that offers long-term development opportunities.

Experience

Work history, roles, and key accomplishments

Current

Credit Collections & Risk Control Global Portfolio

Current

CMA CGM

Jan 2023 - Present (2 years 6 months)

Managed a global portfolio of business customers in the Netherlands, monitoring performance and quality to ensure target attainment. Reduced organizational credit losses and prepared weekly and monthly MIS reports for credit assessment.

Credit Risk Management Portfolio Management Data Analysis Advanced Excel Pivot Tables

Recovery Agencies Supervisor

Barclays Bank

Jan 2016 - Dec 2019 (3 years 11 months)

Supervised international debt recovery agencies to recover debts overdue by over 160 days, aiming to minimize bank losses. Negotiated settlements and restructured agreements to remove accounts from the recovery process.

Debt Recovery Agency Negotiation Settlements Legal Actions Skip tracing Banking Operations

Collection & Recovery Team Lead

United Bank Limited

Jan 2013 - Dec 2016 (3 years 11 months)

Implemented a comprehensive collection strategy to minimize flows, delinquency, collection expenses, and Net Credit Loss. Led a team of 9 collectors, ensuring accurate follow-up with delinquent clients and managing restructuring plans.

Collections Strategies Team Leadership Restructuring Plans Insurance Claims External Agency Coordination

Collection & Recovery Officer

CITI Bank

Jan 2009 - Dec 2013 (4 years 11 months)

Responsible for collection and recovery activities. Managed delinquent accounts and contributed to minimizing credit losses.

Collections Recoveries Account Management Delinquency Customer Service Financial Services Risk Management Banking Operations Debt Management Compliance

Education

Degrees, certifications, and relevant coursework

Tallinn University

Masters in Social Entrepreneurship, Business, administration and law

Grade: GPA 4.35

Completed a Master's degree focusing on social entrepreneurship within the business, administration, and law fields. Achieved a strong academic performance with a GPA of 4.35.

Nordec College

Comptia A+, Information Technology

Undertook training for Comptia A+ certification at Nordec College. This program focused on foundational IT skills and hardware/software troubleshooting.