Gurkirpal Minhas

Collections Specialist Early Stage @BMO

Montreal, QC, CA

Managed early-stage delinquency accounts with professionalism, ensuring positive customer experience while securing payments. • Contacted clients via phone and email to negotiate payment arrangements that align with their financial situation and BMO’s policies. • Assessed customer financial information and recommended flexible repayment solutions to prevent accounts from escalating to late-stage collections. • Maintained accurate and detailed records of customer interactions and payment commitments using internal CRM systems. • Met and exceeded monthly collection targets while adhering to compliance, privacy, and regulatory requirements. • Collaborated with internal departments to resolve disputes and facilitate smooth account recovery. • Demonstrated strong communication and problem-solving skills when handling sensitive customer situations. • Developed a deep understanding of BMO’s credit products, policies, and account management processes. • Built trust with clients by providing financial advice and connecting them with appropriate support resources when needed.

Canadore College

Under Graduate Diploma