Herman I Ramos Jr
TELE COLLECTOR & NEGOTIATOR
Quezon City, Metro Manila
Summary
Results-driven Tele-Collector and Negotiator with extensive experience in high-volume auto loan collections, emphasizing effective negotiation, account resolution, and strict regulatory compliance. Possesses a deep understanding of auto loan products, repossession processes, and credit policies to navigate and resolve complex cases. Proven track record of maintaining meticulous documentation and collaborating with skip tracing teams to consistently achieve or surpass recovery targets while fostering positive customer relationships through a balanced approach of firmness and empathy. Committed to delivering exceptional service and driving results in challenging environments.
Overview
2
2
years of professional experience
2
2
Languages
Work History
TELE COLLECTION & NEGOTIATOR
BPO COLLECTION AGENCY
08.2022 - 04.2024
- Managed a high volume of outbound and inbound collection calls to auto loan customers with delinquent accounts, ensuring timely recovery of past-due payments.
- Negotiated payment arrangements, settlements, and extensions with customers based on financial assessments, and company guidelines.
- Demonstrated strong knowledge of auto loan products, repossession processes, and credit policies to resolve complex account issues efficiently.
- Maintained compliance with the FDCPA, company policies, and state and federal regulations during all customer interactions.
- Accurately documented call outcomes, promises to pay (PTPs), and customer agreements in the collection system for audit and follow-up purposes.
- Collaborated with skip tracing teams to locate hard-to-contact customers, and maximize recovery efforts.
- Achieved and consistently exceeded monthly recovery and performance targets, contributing to reduced delinquency rates.
- Provided empathetic, yet firm, customer service to maintain brand reputation while ensuring accountability and payment follow-through.
Education
Information Technology
New Era High School
01.2022
Skills
- Time Management & Prioritization
- Skip Tracing Techniques
- Negotiation & Settlement Agreements
- Professional & Empathetic Communication
- Problem Solving & Decision Making
- Team Collaboration & Coordination
- Active Listening
- Communication & Patience
Interests
Writing, Community involvement, Outdoor Recreation, Social
Affiliations
Iglesia Ni Cristo
Timeline
TELE COLLECTION & NEGOTIATOR
BPO COLLECTION AGENCY
08.2022 - 04.2024
Information Technology
New Era High School
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