Kulsum Rajab

A hardworking, dedicated and versatile professional with experience in debt review operations, portfolio management, back-office administration, human resources support, collections, client services, sales, fleet administration, aircraft grooming and retail customer service. Experienced in managing administrative processes, handling client enquiries, processing debt review proposals, coordinating recruitment activities, maintaining records, serving customers, handling cash transactions and supporting daily business operations. Brings strong communication, organisational, problem-solving and time-management skills, with the ability to work independently and as part of a team while maintaining professionalism, accuracy, confidentiality and a focus on organisational goals.

Debt Review Back-Office Administrator / Administration and HR Support at Vastline Solutions (2026-06 – Present)

Reports to: Directors

• Manage daily back-office administration and debt review operations.
• Process debt review proposals, reworks, terminations and related documentation.
• Monitor Section 17.1 and 17.2 processes and maintain accurate case records.
• Liaise with creditors, debt counsellors, clients and internal departments.
• Coordinate interviews and assist with recruitment and candidate screening.
• Monitor employee attendance, timekeeping, punctuality and working hours.
• Assist with employment contracts, salary administration and payroll documentation.
• Prepare employee warning letters and maintain disciplinary records.
• Maintain confidential employee and client information.
• Provide administrative support to directors and assist with daily operational requirements.

Client Services, Proposals, Reworks and Debt Review Terminations at We Clear Debt (2025-12 – 2026-07)

Reports to: Admin Manager

• Manage client enquiries and provide updates on debt review cases.
• Prepare and process proposals for submission to creditors.
• Follow up on proposal outcomes, outstanding responses and approvals.
• Process reworks and update client information where required.
• Assist with debt review termination requests and supporting documentation.
• Liaise with creditors and debt counsellors to resolve account queries.
• Investigate and resolve client complaints and administrative discrepancies.
• Maintain accurate case records and ensure timely follow-ups.

Fleet and Collections Administrator at Baltic Investments (2021-04 – 2022-07)

Reports to: Director

• Monitor weekly driver targets and follow up on outstanding payments.
• Collect and update drivers’ weekly vehicle mileage records.
• Monitor vehicle licensing requirements and roadworthy certificate expiry dates.
• Liaise with the company proxy and licensing representatives regarding licence renewals and updates.
• Follow up with drivers for outstanding vehicle documentation.
• Monitor service intervals and contact drivers regarding upcoming vehicle services.
• Schedule workshop appointments for routine servicing, maintenance and repairs.
• Maintain accurate fleet, collections, mileage and compliance records.
• Escalate outstanding payment and vehicle-related issues to management.

Debt Review Sales Agent → PDA Portfolio Manager – Debt Review at One Debt (2017-09 – 2020-07)

Reports to: Sales Manager / Team Leader

• Debt Review Sales Agent | 17 September 2017 – January 2018
• Generate qualified leads through high-volume outbound cold calling.
• Explain debt review services, eligibility requirements and client benefits.
• Assess client needs and guide prospective customers through the application process.
• Overcome objections using consultative sales and effective closing techniques.
• Collect and verify client information to support accurate applications.
• Follow up on leads and incomplete applications to improve conversion opportunities.
• Maintain accurate call records and work towards daily, weekly and monthly sales targets.
• PDA Portfolio Manager – Debt Review | January 2018 – 31 July 2020
• Manage and monitor a portfolio of clients undergoing debt review.
• Track PDA distributions, instalments, arrears and account statuses to identify exceptions promptly.
• Coordinate with PDAs, creditors, debt counsellors and clients to resolve payment queries.
• Reconcile PDA and creditor records, investigate discrepancies and facilitate corrective action.
• Maintain accurate client records, payment histories and portfolio documentation.
• Follow up on outstanding accounts and coordinate timely resolution of payment issues.
• Prepare portfolio performance reports and escalate unresolved matters to relevant stakeholders.
• Deliver professional, confidential client service in line with company procedures.

Aircraft Grooming Cleaner at Bidvest (2015-01 – 2016-06)

Department: Aircraft Cleaning and Grooming | Reports to: Team Leader

• Clean and prepare aircraft cabins to maintain high standards of cleanliness and hygiene.
• Clean passenger seats, tray tables, armrests, windows and other cabin areas.
• Vacuum carpets, clean floors and remove rubbish from aircraft cabins.
• Clean and replenish aircraft lavatories according to hygiene requirements.
• Check cabin areas to ensure they are clean, tidy and ready for passengers.
• Complete cleaning duties within scheduled aircraft turnaround times.
• Follow airport security procedures and workplace health and safety requirements.
• Report lost property, damage and safety hazards to supervisors.
• Work with team members to ensure aircraft are prepared on schedule.

Counter Hand and Cashier at G.E.S Poultry (2009 – 2011)

Reports to: Managers

• Serve customers at the counter in a friendly and professional manner.
• Process customer orders accurately and efficiently.
• Operate the cash register and handle cash, card and other payment transactions.
• Receive payments, issue receipts and provide correct change to customers.
• Balance cash received and report discrepancies to management.
• Assist customers with product enquiries and provide information about available poultry products.
• Weigh, pack, label and hand over customer orders according to company procedures.
• Maintain cleanliness, hygiene and organisation of the counter and work area.
• Restock products and monitor stock levels at the service counter.
• Follow food safety, health and safety, and company procedures.
• Assist with opening and closing duties and work effectively during busy periods.

Self-Packer (Part-Time) at Shoprite (2006 – 2008)

• Pack customers’ groceries carefully and efficiently at checkout points.
• Assist customers with their purchases and provide friendly customer service.
• Maintain cleanliness and organisation in the packing area.
• Work efficiently during busy trading periods.
• Follow store procedures and workplace health and safety requirements.
• Work collaboratively with cashiers and other staff members.

Early Childhood Development (ECD) – Level 4 – Elsies River Community Learning Centre (2025)

Grade 11 – Elsies River High School (2008)