MAI Mansour

I am writing to express my enthusiastic interest in the Collection Officer position at Dubai Islamic Bank, as advertised. With over nine years of dedicated experience in debt recovery and collections within the UAE banking sector, I am confident that my skills and background align perfectly with the requirements of your team.

My tenure at RAK Bank has equipped me with comprehensive expertise in managing auto loan portfolios across all delinquency stages, from Bucket 1 to mature defaults. I have a proven track record in:

· Effective Account Management: Successfully negotiating with customers to establish realistic repayment plans that align with bank policies and recovery goals.

· Advanced Skip-Tracing: Utilizing strong investigative skills to locate defaulting customers, thereby increasing recovery rates.

· Legal and Procedural Knowledge: Leveraging my law degree and ongoing SCA certifications to ensure all collection activities are compliant with UAE financial regulations and legal standards.

My background is not just in collections, but in applying a disciplined, ethical, and results-driven approach to minimize risk and protect the bank's assets. I am particularly drawn to Dubai Islamic Bank's esteemed reputation and am eager to contribute to your commitment to excellence and Sharia-compliant banking principles.

I have attached my Resume for your review and welcome the opportunity to discuss how my experience can benefit Dubai Islamic Bank.

Thank you for your time and consideration.

Sincerely,

Mai Moustafa Mohamed Abdou

Collection Officer | RAK BANK, UAE | 2015 – 2024

· Managed a diverse portfolio of auto loan accounts across all delinquency stages, from early arrears (Bucket 1) to mature defaults.

· Utilized advanced investigation and tracing techniques to locate defaulting customers, significantly improving contact rates and recovery opportunities.

· Demonstrated strong negotiation skills, working directly with customers to establish sustainable repayment plans and settlements, aligning with bank policies and recovery goals.

· Applied a thorough understanding of relevant legal procedures to prepare cases for potential legal action, ensuring all processes were compliant.

· Leveraged in-depth knowledge of core banking systems (Financial, RLS, Intellect, Omnidocs, MOI, SRO) for efficient account management and reporting.

Collection Officer | Barclays Bank, UAE | 2008 – 2009

· Managed collections for personal loan products, developing foundational skills in account management and customer communication strategies for debt recovery

EDUCATION & QUALIFICATIONS

Bachelor of Law | Zagazig University | 2000 – 2005

SCA Examinations (Ongoing - Demonstrates Regulatory Knowledge)

· Global Financial Compliance | UAE Financial Rules | Introduction to Securities and Investment   | Global Securities

RELEVANT TRAINING & CERTIFICATIONS

· Anti-Money Laundering for First Line of Defence (Recurrent 2024)

· Code of Conduct and Anti-Bribery and Corruption (Recurrent 2024)

· Operational Risk Management

· AML Advanced & Basic

· Fraud Awareness

· Information Security