Summary
Overview
Work history
Education
Skills
Timeline
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Francois Semeria

Brighton,Brighton and Hove

Summary

  • 11 years of Credit and Collection experience across UK and Continental Europe for consumer and corporate products
  • Expert knowledge of the credit lifecycle from early arrears to late stage recoveries
  • Strong leadership experience , leading up to 170 colleagues across 3 locations
  • Successful track record of exceeding financial targets whilst delivering best in class customer and colleague experience
  • Demonstrated ability to work under pressure

Overview

11
11
years of professional experience

Work history

Director of Operations- Global Commercial Credit

American Express
Brighton, Brighton and Hove
09.2023 - Current
  • Leading a team of 2 Operations managers and 5 Team leaders across 3 locations to recover early arrears as well as enable spend for medium and large commercial clients
  • Exceeded financial targets by 120 Bps year over year whilst minimizing operational risk and delivering best in class customer feedback and colleague experience
  • Led or participated in various reengineering initiatives delivering 1M USD savings without compromising on financial results or customer experience

Senior Operations Manager - UK Credit

American Express
Brighton, Brighton and Hove
02.2023 - 09.2023
  • Leading Financial difficulties , Digital , Credit support and International currency card operations
  • Maximizing TDC , reducing FRR , minimizing operational risk and providing fair customer outcomes

Various roles in International Credit & Collection

American Express
Brighton, Brighton and Hove
01.2022 - 02.2023
  • Member of FCA task force in charge of incorporating FCA feedback and guidance to enhance customer journey between early to late stages with emphasis on providing "fair" customer outcomes
  • Operations manager for Customer Payment Investigations , newly created team in charge of customer outreach to investigate suspicious payment activities

Operations Manager- Collections Europe

American Express
Brighton
05.2017 - 01.2022
  • Managing a panel of external vendors to prevent write offs and maximize recoveries across Europe
  • Ensuring Compliance requirements are met and Operational risks minimized
  • Leading digital initiatives in partnership with Strategy and external vendors ( self-servicing websites, digital only programs...)
  • Successfully delivered over 29% increase in total collections over last years


Team Leader - France Legal Collections

American Express
France, Paris
01.2015 - 05.2017
  • Responsible for legal and specialty collections for the French market
  • Portfolio management with over 50M $ worth of inventory split between legal, bankruptcy and deceased

Education

Master of Science - Finance

Kedge Business School
Marseille
05.2014

Bachelor of Business Administration - Management

Inseec Business School
Paris
12.2012

Skills

  • Credit and Collections
  • UK regulatory landscape
  • Operations
  • Project management
  • Lateral thinking
  • Relationship management
  • Vendor management
  • English ( fluent)
  • French (mother tongue)
  • Italian (intermediate)
  • Russian (beginner)
  • Computer literate

Timeline

Director of Operations- Global Commercial Credit

American Express
09.2023 - Current

Senior Operations Manager - UK Credit

American Express
02.2023 - 09.2023

Various roles in International Credit & Collection

American Express
01.2022 - 02.2023

Operations Manager- Collections Europe

American Express
05.2017 - 01.2022

Team Leader - France Legal Collections

American Express
01.2015 - 05.2017

Master of Science - Finance

Kedge Business School

Bachelor of Business Administration - Management

Inseec Business School

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Francois Semeria