Abbas Salman
Bahrain
Summary
Collections professional with a focus on managing and resolving overdue accounts. Utilises communication skills to negotiate payment plans and maintain positive relationships with clients. Strong background in data entry and financial record-keeping.
Overview
19
19
years of professional experience
Work History
Deeko Group -Bahrain
Credit and Debit Collection officer
10.2025 - Current
- Managed and collected outstanding invoices from customers or clients.
- manage billing processes and ensure the timely collection of payments from customers or clients.
- Monitor accounts receivable and identify overdue accounts
- contacted debtors via phone or mail to establish payment plans that facilitated debt recovery
- negotiate payment plans with customers
- Negotiate payment plans and settlements within company guidelines
- Resolve overdue bills by ensuring customers and businesses make the appropriate payments
- Track and document all collection activities and communications.
- Research and resolve billing disputes and account discrepancies. Update account status and payment information in the system.
- Achieved service time and quality targets.
- Met schedule using excellent planning and coordination skills.
- Collaborated with team members to achieve target results.
- Managed complaints with calm, clear communication and problem-solving.
- Built and maintained courteous and effective working relationships.
- Handled customer concerns and escalated major issues to supervisor.
- Maintained clean, safe working environments to eliminate accident risks.
Arab Bank
Collection officer
, Bahrain
09.2023 - 10.2024
- Negotiating payment plans, discussing payment options, and negotiating affordable repayment plans with debtors to ensure timely debt settlement.
- Contacted debtors to inform about outstanding debts and arranged payment plans, facilitating timely debt resolution.
- Monitoring payment progress: tracking payments made by debtors, and following up on delinquent accounts to ensure timely debt recovery.
- Resolving disputes: handling and resolving any disputes or discrepancies related to the debt amount or payment terms, working to find a mutually agreeable solution.
- Compliance with regulations: adhering to the laws and regulations governing debt collection practices ensuring fair and ethical treatment of debtors at all times.
- Documenting communication, maintaining accurate records of all interactions with debtors, including phone calls, emails, and letters.
- Guided debtors in comprehending their financial responsibilities regarding outstanding debts.
- Generated and submitted regular reports to management on debt collection efforts, highlighting successful recoveries and outstanding debts.
Redx Industries
DEBIT COLLECTOR
Bahrain
05.2019 - 09.2023
- Plan course of action to recover outstanding payments
- Negotiate payoff deadlines or payment plans
- Locate and contact debtors to inquire of their payment status
- monitored assigned accounts to identify outstanding debts
- Investigate and resolve discrepancies
- Create trust relationships with debtors, when possible, to avoid future issues
- Address questions and complaints from customers to ensure satisfaction
- update account status and database regularly
Debit Collector
Alwasl International Group
, Bahrain
01.2016 - 05.2019
- Initiate collection efforts to recover outstanding payments.
- Initiated telephone outreach to customers to assess account status and recovery options.
- Engaged with customers to understand individual circumstances and evaluate potential for debt recovery.
- Inform clients of overdue accounts and amount currently owed.
- Locate customers using credit bureau information, background checks, loan documents, and other paperwork or databases.
- Compiled list of delinquent accounts for targeted collection efforts.
- Organize list according to severity of delinquency.
- utilize computer systems to handle skip tracing.
- Ensure all customer information is correct, including phone numbers and addresses.
- Review terms of sale or loan documents.
HSBC Bank Middle east
ATM OFFICER
, Bahrain
03.2015 - 10.2015
- Resolved various types of dispute cards, including Local, GCC, Plus, and GATS, to enhance customer satisfaction.
- A chargeback analyst is a payments industry professional who deals with banks, processors, consumers, merchants, and card networks.
- Chargeback process. Customers dispute a purchase with their issuing bank, and update a transaction reversal.
- Provided cash allocation and replenishment advice to G4S for 28 ATMs, ensuring accurate cash management.
- Executed start-of-day procedures, processing journal tapes and organising retained cards to ensure operational readiness.
- Verify the physical count of the retained card of each ATM against the total printed on the journal.
- Cash, cheques, and mail deposit envelopes to be delivered to the branch teller.
- Dispatch retained cards to the concerned branches for the customer’s collection. Check the cash shortage – if the ATM journal tape balance is lower, the balance on the ATM cash account.
- Ensure the two G4s are authorised personnel as per the monthly update list name stamps.
- G4S staff delivering the above items should sign at the end of the journal tabs with their name stamps.
AMERICAN EXPRESS
Collection and Legal officer
Bahrain
08.2007 - 11.2014
- Contact Cardholders by telephone to collect outstanding receivables and decide
on appropriate alternative dunning methods where no contact is made - Obtained, reviewed and evaluated cardholders’ payment proposals and negotiated suitable arrangements to minimise write-offs
- Contact Cardholders by telephone to collect outstanding receivables and decideon appropriate alternative dunning methods where no contact is made
- Handled all incoming correspondence within two days of receipt and resolved customer disputes before cycle cutoff by coordinating with the customer services department.
- Handled lawyer's requests promptly and ensured supporting documents were provided.
- Calculated monthly commission and prepared invoices for court fees, lawyer advance fees, and translation fees
Education
Bachelor of Business Administration - Business and Informatics
AMA University
Bahrain2012
Higher National Diploma - Business and Informatics
AMA University
Bahrain2006
High School Diploma
Ahmed Al omran Commercial school
Bahrain2003
Skills
- Debt portfolio analysis
- Collections strategies
- Payment management
- Problem solving
- Strong communication skills
- Interpersonal skills
- Customer service skills
Education
other,other,other
Timeline
Deeko Group -Bahrain
Credit and Debit Collection officer
10.2025 - Current
Arab Bank
Collection officer
09.2023 - 10.2024
Redx Industries
DEBIT COLLECTOR
05.2019 - 09.2023
Debit Collector
Alwasl International Group
01.2016 - 05.2019
HSBC Bank Middle east
ATM OFFICER
03.2015 - 10.2015
AMERICAN EXPRESS
Collection and Legal officer
08.2007 - 11.2014
Bachelor of Business Administration - Business and Informatics
AMA University
Higher National Diploma - Business and Informatics
AMA University
High School Diploma
Ahmed Al omran Commercial school