Rosa Pequeno has over 15 years of experience in banking and financial services. She has held roles in credit management, customer service, and business development. Currently, she works as a credit controller at NCH Europe, where her responsibilities include checking customer credit ratings, making credit decisions, and contacting debtors. She has a degree in business administration and an IT certificate, and is proficient in Microsoft Office applications.

1. ROSA PEQUENOB.Sc., IT Cert.
e-mail: rmpeq@hotmail.com
PROFILE
Friendly, hard-working, responsible, empathic and well organised person with experience on customer facing roles such
as bank cashier, commercial agent and manager in a Spanish bank. Totally orientated to customer service. Able to work
under pressure and to meet deadlines.
An experienced Banking Professional with over 5 years of progressive experience in the Banking/Commercial industry.
Key areas of expertise includes: Credit management, customer and Customer management and Customer services,
Insurance and Credit polices & Contracts management, credit management, cash handling and cash management,
finance investigations, Market profiling, Business development, complaints handling and management, Commercial
Banking, and Mortgages.
Currently I am working as a credit controller at NCH Europe, in the Spanish department.
A proven track record in linking corporate vision to the delivery of desired results through people empowerment and the
effective use of resources, processes and technologies.
A strong motivator and team player with effective leadership, communication, decision making, problem solving and
interpersonal skills, together with a bottom-line corporate focus and a results-driven attitude.
PROFESSIONAL SUMMARY
 Credit control
 5+ Banking Industry
 Financial Services
 Personal Banking
 Commercial Banking
 Credit Management
 General Insurance
 Mortgages
 Loans
 Credit Cards
 Bank Teller
 Business development
 Policy Marketing
 Customer Management
 Systems Management
 Customer Services
 Excellent People Skills
 Team Management
 Proficient in the use of Microsoft office suite –
Visio, Excel, Word, Access, Project and
PowerPoint
 International Exposure
PROFESSIONAL EXPERIENCE
NCH EUROPE
Credit Controller
Main duties: 2015 (May-Now)
▪ Checking customer's credit ratings.
▪ Deciding whether or not offer the credit.
▪ Contacting debtors and fixing invoice´s issues.
▪ Sending some debtors to external collectors or legal actions.
▪ Generating credit notes.
▪ Dealing with queries.
GIRO FOOD LTD 2015 (Feb-Apr)
Credit Controller Assistant
Main duties:
▪ Checking customer's credit ratings.
▪ Deciding whether or not offer the credit.

2. ▪ Setting up the terms and conditions.
▪ Dealing with internal queries about payments.
▪ Contacting debtors (email, letter, phone) and ensure payment of outstanding invoices.
▪ Opening new credit accounts ensuring the company has all the relevant information on the debtor.
▪ Reporting to management on outstanding issues and informing them early of potentials debtors problems.
MCDONALDS 2014-2015
Crew member
Main duties:
▪ Operating the till and taking cash.
▪ Make it special – be welcoming, personalise your comments and connect with your customers.
▪ Make it genuine – give the customer your full attention, smile, use eye contact and body language that is
enthusiastic and energetic.
▪ Adapt to each customer’s needs – give them an individual experience that exceeds their expectations.
▪ Use initiative and confidence when interacting with customers.
▪ Answer customer queries confidently and professionally – keep up-to-date with knowledge on our food and
promotions .
▪ Work as a supportive team member
THOMSON REUTERS, LEGAL DIVISION.
Commercial 2012-2013
Main duties were:
▪ Plan, manage and organize the business and sales strategy for lawyers, solicitors and notaries.
▪ Boosting sales growth and retention of client
▪ Tendering, negotiation and closing thereof optimizing the return on investment
▪ Achieving sales targets
TODO ALOE S.L. 2010 -2012
Manager. (Cosmetic own business).
Main duties were:
▪ Managing employees.
▪ Handling finances.
▪ Marketing the business.
▪ Working with technology.
▪ Customer service.
▪ Stocking suplies.
BANCO ESPANOL DE CREDITO, SA (BANESTO) 2003 – 2010
Credit and Loans
Assistant Manager. 2004 - 2010
Main duties were:
▪ Having to make decisions as to whether to offer credit to a client for little amounts (less 12,000).
▪ Identifying accounts that will require special attention or investigation.
▪ Arranging the terms and conditions for any financial agreements.
▪ Ensuring any payments were made in time.
▪ Involved in the re-negotiating of agreements.

3. ▪ Visiting customers and travelling to business meetings.
Commercial Bank. 2004 (6 months). Banesto.
Main duties were:
▪ Selling financial products: saving, credit and insurance products.
▪ Daily reporting to the manager.
▪ Generating appointments with customers.
Bank teller. 2003-2004. Banesto. (Santander now).
Main duties were:
▪ Daily cash and cheque handling including foreign payments.
▪ Ensuring all cash, charge, float and till procedures are carried out in accordance with company policy.
▪ Dealing with customers complaints in a friendly and efficient manner.
▪ Arranging and generating appointments for the savings and mortgage advisors.
EDUCATION AND TRAINING
Bachelor´s Degree in business administration,financial and accounting management. (1996-2001)
Certificate of Higher Education in computer systems management. (2001-2003)
Programmer trainee (April-July 2003)
Technical Administrative Practices (January-April 2000)
PERSONAL INTERESTS
Sports (Cycling, swimming, skating & jogging).
Reading books.
Cooking.
Dancing.
REFERENCES
Available on request.