Marian M. Padua

Debt collection and recovery professional with 8+ years of UAE-based experience managing overdue, delinquent, and write-off portfolio accounts. Experienced in direct customer contact, debt recovery, payment negotiation, settlement discussions, structured repayment plans, dispute resolution, and account escalation. Skilled in developing practical debt resolution strategies based on customer financial circumstances while maintaining professional and customer-centric relationships.

Strong understanding of collection procedures, compliance requirements, accurate recovery documentation, and collection database management. Proven ability to work toward recovery targets, handle sensitive and high-pressure customer conversations, manage high-risk accounts, and maintain accurate records of collection activities and customer commitments.

VIRTUAL ASSISTANT - Padua Maternity Clinic - Tarlac, Philippines

(2020-01 - 2025-12)

• Managed customer and patient inquiries through social media, email, and VoIP, providing accurate information and professional assistance.
• Verified membership information through authorized portals and maintained accurate records of customer and patient interactions.

COLLECTION OFFICER – RECOVERY - Dunia Finance LLC - Dubai, UAE

(2016-11 - 2019-07)

• Managed assigned write-off portfolio accounts and worked toward monthly recovery and collection targets through proactive account follow-up.
• Directly contacted delinquent customers by telephone, email, written correspondence, and face-to-face consultations to facilitate debt recovery.
• Assessed customer financial circumstances and developed appropriate repayment arrangements aligned with company credit policies and collection procedures.
• Negotiated payment plans and practical repayment solutions while maintaining professional customer relationships and a customer-focused approach.
• Handled customer concerns and payment-related disputes professionally, working toward mutually acceptable resolutions.
• Maintained accurate collection records, including customer communications, payment commitments, account status, and recovery activities in the collection database.
• Identified high-risk and non-performing accounts requiring escalation or legal action and prepared supporting documentation.
• Followed company collection policies and compliance requirements throughout the recovery process.
• Reviewed account circumstances and adjusted collection approaches to support recovery objectives and improve the likelihood of repayment.

COLLECTION OFFICER – RECOVERY - Hadaf Al Khaleej Debt Collection L.L.C. (Tahseel) - Sharjah, UAE

(2011-02 - 2015-08)

• Managed overdue and delinquent customer accounts and conducted proactive collection activities to facilitate debt recovery.
• Initiated customer contact through telephone, email, and written correspondence to negotiate payment arrangements and resolve outstanding balances.
• Assessed individual customer circumstances and negotiated structured repayment plans based on financial capability and applicable company policies.
• Maintained professional customer relationships while balancing effective recovery efforts with respectful and solution-focused communication.
• Addressed payment concerns and disputes and worked toward amicable resolutions that supported successful recovery.
• Maintained accurate and up-to-date records of collection activities, customer interactions, payment commitments, and account status.
• Monitored high-risk and non-performing accounts and identified cases requiring additional collection action or legal escalation.
• Prepared account escalation documentation and supporting information in accordance with company procedures.
• Prioritized collection activities based on account status, customer circumstances, and recovery requirements.

ADMINISTRATIVE / TACTICAL SUPPORT – PASSPORT TEAM DIVISION - Emirates Group Security (Under Transguard Group LLC) - Dubai, UAE

(2007-12 - 2011-01)

• Managed regulatory flight clearance activities for U.S.-bound passengers using the Advance Passenger Information (API) database.
• Coordinated with the U.S. Transportation Security Administration (TSA) regarding security flags, selectee statuses, and operational clearances.
• Administered the Real-Time Control (RTC) system to monitor daily ground operations and personnel deployment.

BACHELOR OF SCIENCE - COMPUTER SCIENCE - Tarlac State University, Tarlac City, Philippines