Joseph Mathew

Responsible for implementing various Software’s for Financial Institutions in the US. Managing multiple projects through business analysis, project management, testing and configuration all to be scheduled and implemented within the required time frames. Projects include Internet and Voice Banking (IVR) implementations for credit unions and banks in the United States.

Credit Controlling - Responsible for controlling debits and credits of various commercial and engineering businesses in the UK. Liaising with brokers such as AON, Willis, Marsh etc. and business developers, underwriters and accounts for credit control, investigations, reconciliations and query resolutions, efficiently handling a monthly exposure of more than £10 million.

Collection of outstanding debts, making arrangements and advising customers on payment plans, potential risks associated with non-payments and about different third party debt management companies that can assist in order minimize their debt and increase collection rate for the company. Collection under Lloyds Banking Group for clients - Halifax and Bank of Scotland and other joint venture companies such as Sainsbury’s, AA, British/Scottish gas etc.

To make arrangements to recover arrears from Borrowers/ authorized 3rd parties who have fallen behind on payments and advising them of the next stage of process. Identifying customer dissatisfaction and resolving them by making the right decision and negotiating payment plans for them and making them understand the process of collections. Dealing with customers having court order and bailiffs on their mortgage and explaining them what could be done to avoid further legal actions against their property.

Project Management

Computer Software, Hardware and Techniques