CURRICULUM VITAE

Nilofer

Mob : 919*********

Email : addip5@r.postjobfree.com

Objective:

To utilize my daily productivity by getting experience in dealing with and being closer to the business and market place. This will provide me with a career path, while putting my personal strengths, productivity, effectiveness and efficiency. Working in a high profile oriental environment, I am confident of presenting it at its best to the market. With well organized and goal oriented approach in Customer relationship management. And credit controller.

Accounts receivables is one of the most viewed departments of any organization and it is always in limelight. During my years of experience I understood that high will power followed by skills & competency is the key to success in this department as one have to dedicatedly follow & ensure healthy collections with sustainable approach towards business. I have proven track records of reducing bad debts/ losses with sustainable & healthy client & colleague’s reltionship.

Though the core responsibility of AR is to ensure healthy collections but ultimately this department take cares of the entire life cycle management of a client as payment is the last platform which is supported by the Sales, Commercials, Operations & Finance than finally the client pay I strongly believe that B2B/Account receivables is an art & it required deep understanding of core business plus the organization values which ultimately allowed

. Comprehensive understanding of bad debts management & collections from such portfolios followed by the sound understanding of Recovery processes.

Expertise in: Delivering targeted numbers, Prioritizing the clients payments through internal controls Excite, DSO & Cash flow management.

Key Skills:

Excellent interpersonal and communication skills.

Positive go getter attitude with loads of drive and initiative.

Warm, natural and friendly personality with strong sense of responsibility.

Good analytical skills and ability to interpret customer needs.

Proven track record of exceeding customer expectation.

Ability to prioritize and work under pressure.

Name of the Organization : Amzone International Group(oiloffshore,shipping)

Duration : 1st may 2014 to nov 2017

Position held : Credit control Officer

Amzone International Ltd.'s vision is your one stop resource for Lifting & Rigging solutions in GCC, CIS, Africa and the Indian subcontinent.

Work closely with and receive direction from the Accounts Receivable team to reduce the Aged debt and achieve cash collection. To ensure the security and profitability through efficient and effective credit control of a portfolio.

Reporting to chairman of Amzone international, Financial controller about the outstanding payment.

Making excel sheet for amount receivable and collection call log.

Workings on ERP Microsoft dynamic AX.

Coordinate with the sales department for any matters pertaining to credit holds, communicating

with the respective Management and applying the recommended action to regulate business

operations.

Communicate with customers in cases of overdue amounts, bounced cheques and disputes in order to amicably recover the amounts in the best interest of the organization.

Support the organization in review and development of processes and facilitate continuous

improvement and best resource utilization.

Supervise the collection of cash and/or cheques to ensure no revenue leakage occurs.

Ensure proper reconciliation of all receivables accounts, identifying and closing any gaps which

occur, escalating the same to the Line Manager for action

Supervise and control the issue of credit notes to customers in line with prompt and accurate

accounting of the same to adhere to the Company policy and guidelinesg the same to the Line

Manager for action.

Ensure all documents pertaining to customer credit as well as current credit terms are up to date to be provided to management when required for the customer credit review process.

Review the customer aging on a periodic basis as per SOP and draw up action plan to recover overdEnforce credit policy to control credit extended to customers and ensure the reduced exposure to risk in operations.

Maintain customer documentation in line with the credit extended and ensure all credit related documents are reviewed and updated on a periodic basis to ensure the accuracy of documents retained.

overdue amounts in order to support and regulate working capital requirements

Achieving the 100% target of monthly collection of Receivables Accounts in line of DSO.

Develop, send and follow up on monthly Statements of Accounts (SOAs) with clients.

- Build relationships with key clients to establish a clear process for regular payments to keep

check of debtors balances.

Worked for Trust lawyer office as Senior Recoveryofficer dealing with mashreq bnk joined in july 2012 –MAY 2014

SENIORRECOVERY OFFICER WITH BANK

Lawyer s Corporation

July 2012 – may 2014

Debt Recovery

Handling Software for task updating.

Handling the debtors

Handling the client

Target oriented task

Multi tasking

Knowledge of banking products precisely related to recover.

Resourcefulness in securing Promises to pay

To create a professional and friendly environment providing fast, flexible and efficient service to our customers

Responsible for monitoring individual effectiveness and performance.

Negotiate with customers for win-win situation, particularly nasty or difficult customers

Pressure oriented job

Tracing customers through various techniques “particularly online tools”

Vast experience in dealing with big clients such as Mashreq bank.

)5 honor or award

Name of the Organization : Emirates Neon Group

ENG (Emirates Neon Group) is one of the leading visual communications and mThe High rise scaffold media is the first of its kind in Africa and marks ... Emirates Neon Group's publishing and broadcast division; ENG Media solutions company in the Middle East,Dealing with signages.

Duration : 1st august 2009 to july 2012

Position held : Credit control Officer

Profile

Responsibilities:

To manage a portfolio of account receivables in an efficient and effective manner and

in Accordance with my Clients targets. To provide a top class account management

support For Customer’s through pro-active account management to ensure that they

receive the Highest level of service.

Work closely with and receive direction from the Accounts Receivable team to reduce the Aged debt and achieve cash collection. To ensure the security and profitability through efficient and effective credit control of a portfolio.

Reporting to chairman of Emirates neon & CEO, Finanacial controller about the outstanding payment.

Name of the Organization : National Bank of Dubai Credit Dept.

(RETAIL BANKING)

Duration : 1st Jan 2005 to Dec 2008 (4 years)

Position Held : Credit underwriter Loans Retail Banking

.

APPRAISAL OF PERSONAL LOANS/TAKEOVER LOANS:

Customer contact verification and system check.

Central bank check for black list

Processing of loans, documentation, analyzing and checking credit assessment form within bank credit policy.

Ensuring the execution of work around stipulated period.

Checking the fraudulent documents been sourced obtaining proper approvals in case of deviations before taking credit decisions.

Strived to complete work to assure specified that.

Liaison with various sourcing channels-Branch, Sales and other units for Discrepant

Document fulfillment and Complete Customer information in the application form.

De dupe in all Bank systems, Identifying customer relationship and Grouping of Total

RetailExposure. .

• Identify Product and policy scheme and apply them during processing

• Performing Employer verification and customer verification

• Handling Finacle CRM related queries

MANAGEMENT INFORMATION SYSTEM

Updating personal loan application on ms-excel sheet.

Distribution of application within the stipulated period.

Reporting to the manger and divisional head about sourcing of loan.

.

Name of the Organization : Trade wings Foreign Exchange House India

Duration : 2002 to 2004

Position Held : Assistant Manager

WORK PROFILE

Cash Management Handling Bulk of cash money gram transaction, maintenance of the entire cash book, accounts books and as per the reserve bank of India guides line, looking after branch accounts. Handling petty cash, preparing monthly reports for head office and reserve bank of India and issuing American express credit cards to corporate customers computerized on line transaction on for ex package.

Responsibilities:

Handling the sales & finance department.

Making Reports (MIS) for the senior management.

Examine & analyze journal entries, bank statement inventories, stock reconciliations with the head office & sending report on daily basis.

Examining accounting records & prepare financial statements & reports, & reporting it daily as well as monthly to the Head Office.

Reconciliation of traveler’s cheque & currencies on daily basis.

Recruit, organize, train & manage staff.

Notify & report to senior management concerning any trends that are critical to the organization's financial performance.

Bringing the overall profitability to the Branch by reviewing the sales & controlling the Finance.

ACHEIVEMENT:

Got certificate of merit from retail credit center for outstanding employee of the month. in 2006.from National bank of Dubai.

Got appreciation emails from branches for getting the work done.

Got certificate of merit from lawyer office 5 times for best collector for mashreq bank in 2013.for jan,feb,may,june and july 2013 for getting the target achieved

Workshop/training:

A very good knowledge of UAE market within different fields.

Well developed interpersonal communication skills (eg . Customer approach).

Computer literate in MS- OFFICE (Word, Excel, ), Outlook & Internet.

High level of creativity in problem solving.

Educational Qualification:

Bachelor of Arts in Political Science from Delhi University secured 1st Division.

Honours Diploma in System Management From National institute of Information technology New Delhi

Certificate from excel institute in ERP Tally VERSION 9.

Microsoft dynamics ax …..

Administrative Skills:

To cope with the age of Information Technology I can well understand and operate Internet, Win 95-98 Microsoft, Windows Xp, and MS Office.

Excellent office organization abilities.

Numerate and pays attention to detail.

Able to work under pressure in busy environment.

Flexible and willing to train to different tasks.

Enjoy problem solving and giving out information.

Hobbies:

Travelling & Adventures.

Listening to music.

Watching Sports Channel

Personal Details:

Nationality : Indian

Marital status : Married

Passport Number : E1934727

Language known : English, Hindi,urdu

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