Farhan Ali

Experienced Recovery & Collections professional with strong experience in Pakistan and Dubai in consumer finance recovery, loan and debit-card collections, field recovery, overdue account management, customer negotiations and recovery operations. Skilled in handling difficult and long-overdue accounts, conducting field visits, monitoring payment commitments, achieving recovery targets, supervising recovery activities and preparing collection reports. Strong customer dealing, negotiation, communication and field-operation skills.

Recovery Officer - FSL Recovery - Pakistan

(2020-01 - 2021-12)

• Managed overdue customer accounts and routine recovery follow-ups.
• Conducted field visits and customer verification for outstanding accounts.
• Followed up on payment commitments and delayed payments.
• Maintained accurate recovery records and daily collection updates.
• Worked toward assigned monthly recovery targets.
• Handled customer queries and recovery matters professionally.

Senior Recovery Officer - Rapid Loan & Debit Card Recovery - Pakistan

(2021-01 - 2022-12)

• Managed loan and debit-card overdue accounts and field recovery activities.
• Conducted regular customer follow-ups and field visits for outstanding payments.
• Negotiated payment arrangements, settlements and repayment commitments.
• Handled difficult and long-overdue recovery cases professionally.
• Maintained customer records, payment status and collection reports.
• Supported the recovery team in achieving monthly targets.

Recovery Officer – Consumer Finance - CashNow Finance LLC - Dubai, UAE

(2022-01 - 2024-12)

• Managed recovery and collection of outstanding consumer finance payments and overdue accounts.
• Conducted telephone and field follow-ups regarding delayed payments and outstanding balances.
• Negotiated repayment arrangements, settlements and payment commitments with customers.
• Handled difficult and long-overdue recovery cases through professional customer dealing.
• Conducted customer verification and field follow-up for recovery cases.
• Maintained accurate recovery records and updated customer payment status.
• Prepared collection updates and monitored assigned recovery targets and KPIs.

Recovery Operations Manager - Private Recovery & Collection Operations - Pakistan

(2024-01 - 2025-12)

• Managed end-to-end recovery and collection operations for overdue customer accounts.
• Supervised field recovery staff and coordinated daily recovery assignments.
• Worked with experienced recovery professionals and civilian field staff to achieve recovery targets.
• Handled customer negotiations, payment restructuring, settlement discussions and payment commitments.
• Conducted field visits for high-risk and long-overdue accounts.
• Monitored team performance and recovery progress against assigned targets.
• Maintained recovery records, case documentation and daily collection reports.
• Prepared recovery performance reports and provided updates to senior management.
• Ensured recovery activities were conducted professionally, ethically and lawfully.

Bachelor of Arts - B.A. - Chairpur University

Diploma in Civil Engineering - DAE – Civil - Karachi Technical College