Pamela Sharma has over 10 years of experience in credit and collections. She currently works as a Representative in Credit and Collections at Cogeco, where she makes inbound and outbound calls to collect on delinquent accounts. Prior to this, she worked at Citi Cards Canada as an Inbound Collector handling calls for various consumer and commercial portfolios. She has a strong background in credit and collections software and regulatory compliance.

1. PAMELA SHARMA
7278 Saint Barbara Blvd. 905.956.0592
Mississauga; Ont., L5W 0C1 pamelasharma10@gmail.com
PROFILE
A dedicated professional with over 10 years experience in Credit and Collections. Proficient in Excel,
Word, As400 and Great Plains software. I work well independently, as well as in collaboration with
others. I posses strong decision making, organizational and interpersonal skills. I am able to balance
the needs of management, provide excellent customer service, whilst maintaining confidentiality. I am
a disciplined problem-solver, with excellent analytical and negotiation skills.
WORK EXPERIENCE
Cogeco
Is a diversified telecommunications company and is the11th largest hybrid fiber coaxial cable
operator in North America
Representative Credit & Collections – 2014-Present
 Make Inbound and Outbound calls to delinquent customers using auto dialer
 Proficient in using dialer system in a fast passed, high volume, deadline oriented environment
 Seeking payment commitment on outstanding balances
 Negotiating with customer to achieve a workable payment arrangements
 Investigate discrepancies on accounts and propose actions, to manage credit exposure.
 Ensure customer information is current and secure, whilst, executing follow up to ensure
negotiated payment arrangements are respected.
 Proficient in Industry software – Noble phone system, Latitude Collections System, Ontario
Intraweb (Ez-care) credit card payment system, ITC – Customer Maintenance.
Citi Cards Canada
The leading global financial services company in general purpose and private label credit and charge
cards, located in over 160 countries.
Inbound Consumer/Commercial Collector – 2006-2012
 Handle incoming calls for various portfolios for both Consumer and Commercial
 Very effective in assisting cardholders in resolving balance delinquency for accounts 30 to
180 days
 Tailored repayment solutions to reduce client delinquency and credit losses
 Actively involved in in-house training to enhance my knowledge of Federal and Provincial
Collection and Privacy Regulations
 Well versed in Credit Products and Features of MasterCard, Home Depot and Retail Private
Label Consumer and Commercial Portfolios
 Consistently achieved monthly targets whilst maintains a very high level of professionalism
 Proficient in Industry software – CACS, FDR and IBS

2. PAMELA SHARMA Page 2 OF 2
Lumbermen’s Credit Bureau – Mississauga, Ont.
A credit bureau for commercial building suppliers
Bank and Trade 2004-2006
 Investigating the credit worthiness of companies applying for credit from members businesses
 Review of corporate financial data in-order to establish credit worthiness
 Sought banking info to establish financial liquidity
 Complied credit report for clients
Barnes Distribution – Mississauga, Ont. 2004 –contract
Manufacturer and distributors of precision metal components
Credit and Collections
 Outbound calls for delinquent account and making arrangements for payment
 Fully documented interaction with customers
 Prepared debit and credit memos in resolving billing issues
Kik Corporation – Concord, Ont. 2003- Contract
One of North Americas largest producer of private label household bleach and cleaners and laundry
products
Accounts Payable
 Analyze and coded 300 US freight invoices received from various US offices.
 Logged, coded and entered over 200 Canadian freight invoices daily
 Prepared inter-company Freight billing daily
 Run accounts payable open item report and selected invoices to be paid
 Performed accounts payable month-end closing procedures
 Reconciled Accounts Payable to General Ledger
EDUCATION
Townshed College of Business Computerized Accounting – Honors Diploma
ACCREDITATION Quality Assurance Certified
Winston Churchill Collegiate Grade 12