Abraham Pereira
Delaware,DE
Summary
Metrics-driven credit operations professional with experience analyzing credit and financial data on delinquent consumer accounts to develop repayment solutions, negotiate settlements, and support bankruptcy and attorney-channel resolutions. Consistently delivers high-quality results, maintaining quality above target since becoming ranked, including four consecutive months at 100%. Beyond individual performance, designed a performance scorecard that benchmarked operational metrics against targets and translated results into individualized development plans. The framework was adopted by team leadership and contributed to measurable improvements among new hires, including one associate who nearly doubled closing performance. Ranked #1 in the bilingual department in February 2026 and a three-time Client Ambassador Award recipient, recognized for quality, customer impact, and coaching excellence. Fluent in English and Spanish.
Overview
4
4
Languages
4
4
years of professional experience
Work History
Credit Specialist (Bilingual)
Bank Of America
Delaware, US
07.2025 - Current
• Evaluate delinquent customer accounts and recommend solutions that balance customer needs with Bank risk objectives.
• Analyze customer financial information and account history to determine appropriate assistance programs and repayment options.
• Consistently exceed performance expectations in a metrics-driven environment, achieving top departmental performance rankings.
• Utilize multiple internal systems and data sources to support account reviews, decision-making, and client resolution strategies.
• Coach and support teammates through process guidance, quality improvement, and knowledge sharing.
• Received multiple performance awards and recognitions, including Best Quality Award and Client Ambassador Award, for delivering high-quality customer outcomes and exceeding performance expectations.
Retail sales Associate
Various Companies
Delaware, US
11.2022 - 06.2025
• Delivered customer service and resolved issues in a fast-paced environment.
• Managed transactions, inventory, and daily operational activities.
• Developed communication, problem-solving, and client relationship skills.
Education
Business Management -
Las Americas Aspira Academy
Delaware, US05-2025
Skills
- Performance Analytics
- KPI Benchmarking & Reporting
- Trend Analysis
- Data-Driven Decision Making
- Root Cause Analysis
- Microsoft Excel
- Process Improvement
- Operational Excellence
- Portfolio & Account Analysis
- Credit Risk Mitigation
- Delinquency Management
- Settlement Negotiation
- Business Analytics
- Customer Financial Analysis
- Regulatory & Compliance Documentation
- Stakeholder Partnership
- Cross-Functional Collaboration
- Coaching & Talent Development
- Analytical Problem Solving
- Bilingual Communication (English/Spanish)
LANGUAGES
English (Native)
Spanish (Native)
Portuguese (Novice)
French (Novice)
Timeline
Credit Specialist (Bilingual)
Bank Of America
07.2025 - Current
Retail sales Associate
Various Companies
11.2022 - 06.2025
Business Management -
Las Americas Aspira Academy