Qhamisa Mungeka

Self-motivated, enthusiastic and dedicated professional with 8+ years of experience in client care, administration, collections, recoveries, and sales within the financial services sector. Strong track record in debt recovery, loan processing, collections, and customer relationship management. Known for efficiency, problem-solving, and the ability to work under pressure while maintaining compliance and confidentiality.

Recoveries Administrator (Hybrid) - CAPITEC BANK - Cape Town

(2025-03)

• Handled sensitive client and financial information with discretion, ensuring strict confidentiality in line with company policy and legal regulations
• Maintained accurate personnel records and updated internal databases to support effective document and records management
• Supported the rehabilitation of clients under debt review, contributing to structured repayment and recovery processes

Collections Chat Support Agent (Hybrid) - CAPITEC BANK - Cape Town

(2023-09 - 2025-02)

• Managed high-volume inbound and outbound chat interactions to resolve past-due accounts professionally and efficiently
• Negotiated payment arrangements while adhering to compliance, company policies, and regulatory requirements
• Researched account history to identify disputes, billing errors, and root causes of delinquency

Direct Loan Agent (Hybrid) - CAPITEC BANK - Cape Town

(2018-03 - 2023-08)

• Evaluated creditworthiness by processing loan applications and documentation within specified limits
• Assisted clients with general banking needs and inquiries throughout the loan process
• Offered loan arrangements aligned with the client's best interests and financial situation
• Maintained an active knowledge base of all loan products and the specific requirements of each
• Completed loan contracts and counseled clients on applicable policies, terms, and restrictions
• Built trust-based relationships to drive customer loyalty, satisfaction, and ongoing communication
• Conducted cold calls to generate loan opportunities and reach monthly targets
• Adhered to and complied with FSB and FAIS regulatory requirements

Sales Agent – Long and Short Term Insurance - FRANK FINANCIAL SERVICES - Cape Town

(2017-05 - 2018-02)

• Sold long-term insurance policies, including life insurance, salary protection, disability cover and funeral cover
• Contacted potential clients to expand the customer base and generate new business opportunities
• Promoted insurance products by explaining features and benefits to clients and aligning solutions with their needs
• Responded to client queries regarding accounts, policy details and general service issues

Outbound Sales Consultant - RCS - Cape Town

(2016-08 - 2017-03)

• Called and sold financial products to clients through generated leads
• Delivered exceptional service that exceeded customer expectations
• Maximized cross-selling opportunities and strengthened client relationships
• Entered qualified leads into the sales pipeline and followed up daily
• Adhered to internal, regulatory and legislative governance to ensure quality and mitigate risk
• Met daily production standards for service and quality

National Senior Certificate - Grade 12 - Nkwanca Public High School (2011)