Michael Canda
Imus
Summary
Dynamic professional with a proven track record in debt collections and asset recovery, honed at United Coconut Planters Bank. Excelled in enhancing team productivity and establishing effective communication channels. Skilled in utilizing multiple contact methods for improved collections, demonstrating a keen ability to negotiate and maintain positive customer relationships. Achieved significant improvements in operational efficiency and team performance metrics.
Overview
16
16
years of professional experience
Work History
Section Head
United Coconut Planters Bank
10.2017 - 05.2021
- Ensured compliance with industry regulations by conducting regular audits and implementing corrective actions as needed.
- Enhanced team productivity by providing ongoing coaching and professional development opportunities.
- Conducted thorough analyses of operational data to identify areas for improvement and recommend actionable solutions.
- Established effective communication channels between departments, promoting collaboration and information sharing.
- Managed budgets and resources effectively, ensuring optimal allocation of funds and personnel.
- Conducted performance reviews to identify employee strengths and encourage professional development opportunities.
- Collaborated with various departments to support projects, identify issues and implement improvement activities.
- Obtained and enhanced quality benchmarks and objectives by developing and implementing standard practices and control plans.
- Reported issues to higher management with great detail.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Assisted in recruiting, hiring and training of team members.
- Trained and guided team members to maintain high productivity and performance metrics.
Collections Associate
United Coconut Planters Bank
06.2010 - 09.2017
- Improved debtor communication by utilizing multiple contact methods, including phone calls, emails, and letters.
- Utilized various software programs for accurate tracking, reporting, and monitoring of collection activities.
- Collaborated with team members to achieve monthly collections targets and maintain company standards.
- Analyzed debtor financial situations carefully before determining suitable repayment options ensuring sustainable payment plans were established.
- Established positive relationships with customers, encouraging timely payments and minimizing default rates.
- Maintained a high level of professionalism while resolving delinquent accounts with tact and empathy.
- Conducted thorough research to locate debtors, maximizing the chances of successful collection efforts.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Processed payments and applied to customer balances.
- Used probing techniques to determine debtors' reasons for delinquency.
- Used skip tracing and other techniques to locate debtors.
- Researched billing errors and discrepancies to initiate corrective action.
- Prepared and submitted legal documents to initiate court proceedings.
- Initiated repossession process or service disconnection upon failure of other collection methods.
Business Development Associate
EDI Staffbuilders
10.2009 - 03.2010
- Assisted in developing marketing materials that showcased our products and services effectively, attracting new clientele.
- Conducted market research and analysis to identify emerging trends.
- Developed business pipeline using cold and warm techniques.
- Conducted market research to identify new business opportunities and potential clients.
Collections Specialist
HSBC Electronic Data Processing
09.2006 - 06.2007
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Negotiated to collect balance in full.
- Processed payments and applied to customer balances.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
Project Clerk
Insular Life Insurance Company
08.2005 - 01.2006
- Supported staff on special assignments and ad hoc projects.
- Reviewed files, records and other documents to obtain information to respond to requests.
- Maintained filing system and organized customer documents for easy retrieval of information.
Education
Bachelor Of Science In Business Administration - Entrepreneurship
Colegio De San Juan De Letran
Manila, Philippines04.2005
Skills
- Teamwork and collaboration
- Customer relations
- KPI tracking
- Employee development
- Performance evaluation and monitoring
- Delegating work
- Employee relations
- Analytical thinking
- Decision-making
- Verbal and written communication
- Adaptability and flexibility
Timeline
Section Head
United Coconut Planters Bank
10.2017 - 05.2021
Collections Associate
United Coconut Planters Bank
06.2010 - 09.2017
Business Development Associate
EDI Staffbuilders
10.2009 - 03.2010
Collections Specialist
HSBC Electronic Data Processing
09.2006 - 06.2007
Project Clerk
Insular Life Insurance Company
08.2005 - 01.2006
Bachelor Of Science In Business Administration - Entrepreneurship
Colegio De San Juan De Letran
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