Ahmad Fuad

• Responsible to manage and collected written-off bad debt accounts from existing portfolios.
• Reviewed all account by analyzing & accessing entrepreneur position to determine appropriate collection activities.
• Conducted detailed analysis, assessment and enquiries on entrepreneur account with/without Settlement Agreement within the stipulated period.
• Created forecast using excel function in order to predict the expected collection result.
• Presented monthly collection result to Head of Department or management committee outlining actual performance against forecast.
• Presented new or revise payment term proposal to the respective management committee for approval.
• Recommended legal action on non-compliant account.
• Monitored and collected monthly payment based on the payment schedule in accordance with the settlement agreement(SA) payment term.
• Performed yearly review on settlement agreement (SA).
• Provided business advisory to entrepreneur as deemed appropriate to increase/improve payment in their settlement agreement (SA) payment term.

• Responsible for business support roles by providing monitoring and advisory to entrepreneur's business and ensure it's on the right track of development for growth.
• Monitored the performance of the company through review of financial documents (i.e financial statement or management account) and audit to assist in the implementation of good management practices.
• Provided advisory support to develop management, operational and technical expertise in the company.
• Coordinated and conduct site visits and data collection in the entrepreneur's business to include business survey and in-person interview with company director or finance manager.
• Performed business performance analysis based on financial statement or management account and generated report to management on company financial condition.
• Advised entrepreneur on cash flow projection either to revised based on current financial condition in order for the company remain solvent.
• Negotiated and collected an outstanding amount of financing that already past due to improve collection performance of Pre-NPL, NPL & Write-off units.
• Provided screening for rescheduling & restructure eligibility of the company from interview and consultation session with the entrepreneur.
• Created trend and forecast analysis using Microsoft Excel Forecast & Trend functions on business industry & sector performance and forecasting collection on NPL account.
• Presented the analysis to the Department Head and Management committee to understand the trend and develop strategy then respond in order to improve collections.
• Enhanced good relationships with customer and attend to their enquiry with advice and solution.
• Ensured all entrepreneur business is complying with Syariah compliance and corporate governance.

• Conducted field visit to SME & ABF customer premise and ensure address are correct as per system.
• Established new leads of information on customer business activity and update new information necessary to management.
• Negotiated and collected an outstanding amount of monthly payment to avoid account fall into NPL status.
• Pursued promise payment and commitment given by customer to regularized the account.
• Maintained good relationships with customer and attend their enquiry with advice and solutions.
• Provided daily reports to management on a regular basis.

• Performed second-level review on loans approval by recommended true asset valuation based on market price.
• Met with customers, marketing officer and vendor to negotiate loan amount.
• Validated the delivery of asset to customer premise on the approved loan.

• Used scripted conversation prompts to convey current account information and obtain payments.
• Discussed options with delinquent clients in terms of proposed solutions.
• Checked packages for demand letters and loan authorizations before sending to clients.

• Investigated outbound payment problem received from customer, branch and financial institution.
• Involved in payment services activities.
• Handling charges and claims from beneficiary bank and remitting bank.
• Solving remittance case by case on a daily basis.
• Contected customer or bank through Swift message and phone call.
• Reconciled outstanding balance in account.
• Supporting the UK market.