Daniel Carter

• Phone: +44 20 7946 0123
• Email: daniel.carter@email.com
• Location: London, UK
• LinkedIn: daniel-carter-collections

Summary

7 years of dedicated experience in bill and account collection, consistently achieving over 90% target attainment for overdue accounts through strategic communication and negotiation. Proficient in managing diverse portfolios, including consumer and commercial debt, while upholding regulatory compliance and client satisfaction.

Adept at employing advanced skip-tracing techniques and payment plan development to maximize recovery rates and minimize write-offs for financial institutions and service providers. Committed to resolving outstanding balances efficiently and professionally.

Experience

Senior Account Collector, Sterling Debt Solutions -- London, UK

Mar 2020 – present

• Managed a portfolio of high-value commercial and consumer accounts, recovering an average of £150,000 monthly in outstanding debt.

• Developed and implemented tailored payment plans, resulting in a 25% reduction in accounts proceeding to legal action.

• Trained and mentored junior collectors on effective negotiation strategies and compliance with FCA regulations, improving team performance by 15%.

• Utilized advanced skip-tracing tools and credit reports to locate hard-to-reach debtors, increasing contact rates by 20%.

Account Collector, Capital Collections Ltd. -- London, UK

June 2017 – Feb 2020

• Successfully collected on over 85% of assigned accounts within the first 60 days of placement, exceeding departmental benchmarks.

• Maintained accurate and detailed records of all collection activities and communications in CRM system.

• Resolved billing disputes and negotiated settlements, often recovering partial payments from previously uncollectible accounts.

• Collaborated with clients to understand specific collection requirements and provided regular progress reports.

Education

University of Westminster, BSc (Hons) in Business Administration -- London, UK

Sept 2013 – July 2016

Skills

Collection & Recovery: Debt Collection, Account Reconciliation, Payment Negotiation, Skip Tracing, Arrears Management, Delinquency Resolution, Debt Settlement, Repossession Coordination, Legal Process Awareness, Debt Portfolio Management

Compliance & Regulations: FCA Regulations, Consumer Credit Act, Data Protection (GDPR), Ethical Collection Practices, Compliance Monitoring

Software & Tools: CRM Software (e.g., Salesforce, Dynamics 365), Collection Software (e.g., Collect! A/R, DebtManager), Microsoft Office Suite (Excel, Word), Credit Reporting Tools

Interpersonal & Communication: Client Relationship Management, Conflict Resolution, Active Listening, Persuasion, Professional Communication, Empathy, Customer Service