Sales Customer
Resume:
Education
IT Skills
MBA (Master of Finance) from JNU, India
BA from Moulana Azad National Urdu University, India Other Courses:
Leadership & Team Development Course from High Steps Management Training & Consultancy, Dubai
Credit Collection & Recovery Techniques Course from CIBM, Dubai Credit Risk Management Training from Lynchpin Training Institute, Dubai
MS Office (Word, Excel &
PowerPoint), Dynamic Ax
Tally ERP (9.0), SAP and Orion
Certification
Certificate in Financial Accounting
from OCSM Institute- India
Certificate in Electronics from
Kamla Institute, India
Career Timeline
Oct’18- Apr’20
Jun’12- Oct’17
May’01-Nov’07
Mar’08-May’12
Jan’98- Apr’01
Key Skills
Portfolio Management, Risk
Analysis & Mitigation
Reconciliations, Credit Control &
Collection
Legal Actions, Bad Debt
Recovery, Audit & Compliance
AR (Payments & bounced
cheques)
Report Generation, Debtors
Management
Planning & Forecasting, Variance
Analysis
Sales Order Processing
Client Relationship
Management/ Negotiations
Training, Team Building &
Leadership
Cash Flow Management
Business Process Improvements
Profile Summary
Specialist in mitigating risks, ensuring reconnection from delinquent bucket, preparing collection plans, sales order release, delegating targets & developing strategies to recover dues for enhancing performance, service delivery & operational soundness across UK & Gulf countries Displayed paramount efforts in streamlining credit procedures and formulating solutions for enhancing financial results,forecasting that led to DSO reduction and long-term improvements in cost savings, profitability & productivity by identifying market & customer service trends
Successfully supervised operations related to payment allocation, reconciliation and month-end reporting of company receivables (invoices) & timely collection in accordance to company policies
Fraud & Risk Management: Competent in streamlining Credit & Collection process by formulating & framing guidelines & credit policy for fraud control & identification of risks pertaining to prospective customers through scanning documents, conducting rigorous follow-ups to reduce front end delinquency and implementing recovery strategies
Portfolio Management: Instrumental in monitoring clients’ portfolio performance, conducting profitability analysis, rendering advisory services for securing high ROI and increasing retention levels; amicably recovered AED 80 Million overdue payments
Client Relationship Management: Proficient in interfacing with clients, monitoring complaints, ensuring quality delivery of products for cultivating relations and enhancing customer satisfaction matrices for fueling revenue growth
& timely recovery of payments
Re-structured & organized the Credit Control Dept and drove functional leadership to harness capabilities, and achieved monthly collection target by motivating the Credit Collection team
Dynamic & self-starter with strong planning, communication, analytical & problem-solving skills; respectful and appreciative of diverse cultures Mohammad Imran
CREDIT CONTROL & DEBT RECOVERY MANAGEMENT
*******@*****.***
Strategic, analytical professional with over 12 years’ rich experience and impressive success in managing entire gamut of Credit Control & Collection, Risk Management & Accounts Receivable Functions across diverse industries with focus on buiding organization’s profitability
Notable Accomplishments Across the Career
Sanipex Group as Group Credit Controller
Achieved monthly collection targets
Organized the credit & collection department; designed and implemented credit application Recovered AED 18 Million old dues amicably
Recovered the payments against bounced cheques
Reduced bad debts, minimized the risk and reduced legal cost Successfully corrected in accounts allocation
Contributed in designing & enforcing a new credit policy ThyssenKrupp Elevator (UAE) L.L.C as Regional Credit Controller Successfully recovered AED 80 Million old debts (360-720) through follow-ups & meetings with clients
Awarded with “Best Performance of the Year”
Restructured the credit and collection process with successful implementation of the credit policy and formulating clear performance metrics for collection
Instrumnetal in offering confirmation on whether or not to offer credit to the debtors Played pivotal role in assessing the risk on new accounts by way of the credit information provided/reading financial accounts and monitoring all the stages of arranging credit facilities, payments and debt recovery Instrumental in approving sales order & credit notes; handled bounced cheques- follow ups/ police and legal cases Managed to collect payment certificates and ensured to recover retention payments on time Interfaced & visited with customer’s on r
egular basis for AR related tasks
Significantly recovered bank guarantees, led reconciliations of customers’ accounts on regular basis and negotiated with customer for payment plans
Networked with multiple departments to address and correct billing errors, ensured invoices correctly aligned with customer purchase orders for billing and collections purposes Effectively created & maintained customer files with signed credit applications for all credit, collection, legal, and handled client relations
Ensured the delivery of service report, handing over certificate etc. on time, liaised with internal staff for resolution of issues in a timely manner
Provided assistance on bank reconciliation and corrected long-standing issues with aged receivables and collections Reduced past due balances and bad debt by coordinating collection efforts with Sales and Billing Departments to quickly resolve disputes and advance payments
Significantly reduced bad debt exposure and days sales outstanding in alignment with company goals Identified & reported on all negative events and early signals of potentially problematic accounts / relationships ThyssenKrupp Elevator (Saudi Arabia) as Head of Credit Control (Jan’17-Apr’17) Conducted regular follow-ups & meetings; recovered SAR 8.5 Million old debts (720 days) Modernized & organized the Credit Control Department and achieved the collection target Approved the sales order; processed credit note / write off request/ Reconciled accounts; coordinated with the Accountants of Branch offices-Riyadh-Khobar-Al Qaseem-Madina, Jiddah & Makkah for the daily sales and collections
Arranged transferred receipts providing to clients; forwards balance confirmation Addressed & resolved SOA / Invoicing & service issues; took legal actions against bad debtors Al Sayegh Brothers Trading LG, Dubai as Credit Controller Reduced overdue instances in key accounts by AED 7.5 Million old debts (360-720 days); reduced the legal cost
Evaluated over / underpayment; initiated return of overpayments and issuing letter requests / inquiries to customers with underpayments or those with unauthorized deductions; took legal action against bad debts Analyzed customer account details for non-payments, delayed payments and other irregularities; managed customer account reconciliations in order to deliver accurate financial statements for the customer Proficient in releasing sales order, following up with insurance for credit approval, offering confirmation on whether to offer credit to the debtors
Effectively interfaced with customer on collection matters and resolution dispute Pan Gulf Group of Companies- Sharjah,as Customer Service Manager Studied & analyzed market trends of existing and potential clients and ensured business growth opportunities aligned to company’s strategic plans Successfully established customer service policy throughout the organization; managed a team of customer service staff Achieved customer service objectives by implementing production, productivity, quality & standards Met customer service financial objectives by forecasting requirements Oct’18- Apr’20
Jun’12- Oct’17
Mar’08-May’12
May’01-Nov’07
Resolved customer complaints and addressed questions about the company's billing statements, products or concern; resolved problems; completed audits, identified customer service trends, determined system improvements and implemented change
Gathered customer service requirements by maintaining contact with customers, visiting operational environments, conducting surveys, forming focus groups, benchmarking best practices and analyzing information and applications TATA Furniture & Electronics -Sharjah, as Executive (Sales) Established working relationships with customers through regular meetings, identified and obtained further sales & business development opportunities, increased customer base for interior & furniture in UAE Conducted market research through industry contacts, publications, trade events and tracked business news to identify ideas for growth
Scheduled appointments, prepared & delivered presentation to the client, researched their business & requirements Ensured customer loyalty through excellent customer service and met all client needs appropriate to their business Sold products by establishing contact and also developed relationships with prospects by recommending solutions Worked as a contact between a company and its existing and potential markets by negotiating the terms of an agreement and closing sales
Achieved target as allotted and contributed to team effort by accomplishing related results as needed Work Experience
Oct’18- Apr’20 with Sanipex Group, Dubai as Group Credit Controller Monitored collections processes, set up new processes for improving collections time and identified strengths & weaknesses of portfolio and business processes across UK & Gulf countries Role:
Implemented result-oriented recovery plans to manage delinquency within pre-set norms for achieving organisational objectives and ensuring profitability Set out quality standards for various operational areas and ensured a high-quality customer experience while adhering to SLAs & work processes
Assessed the risk on new accounts by way of the credit information provided/reading financial accounts and monitored all the stages of arranging credit facilities, payments and debt recovery Ensured that all the invoices to be generated & delivered on time Analyzed the issues due to which the payments are getting delayed Interacted & visited the customers on regular basis for AR related tasks (Payments & bounced cheques issues) Conducted credit checks on daily basis and amended Credit Limits as per requirement Approved sales order and credit notes; handled bounced cheques- follow ups/ police cases and legal case Issued customer sales adjustments according to business standards / agreements and validated that adjustments meet internal control compliance by insuring that legal, financial and auditing requirements are met Mapped payment term agreements of our customers, analyzed customer payment behavior against those terms and recommended to the business and extension / modification to the terms to optimize cash flow Responsible for reducing credit risk and accounts receivable delinquency Recorded data on Excel and running age debt reports; prepared Forecast & Collection Report Ensured maintenance of up-to-date billing & payment receipts system for transactions; ensured achievement of monthly and annual collection target by motivating the team Reviewed LC & negotiated for payment terms,arranged to prepared bill of exchange,regularly checked with bank for discrepancy & maturity date,applied for credit insurance,followed up for claims,submitted overdue report Coordinated with Sales teams for the collection of overdue / long outstanding accounts Analyzed customer account details for non-payments, delayed payments and other irregularities; managed customer account reconciliations in order to deliver accurate financial statements for the customer Offered confirmation on whether or not to offer credit to the debtors Reviewed the validity of the legal documents such as contract, trade license, Emirates ID, Passport copy and VAT certificates and arranged to requesting for the renewed documents when they expire Blocked default customers in the system; resolved customer queries, complaint and issues promptly Handled Post Dated Cheques and ensuring their timely realization; adjusted payment received “on account”, Monitored the cash application and unapplied receipts Led trade and bank reference checks, arranged to collect payment certificate from clients/consultant Ensured recovery of bank guarantees,negotiated with customer for credit terms/advance payments Followed up with clients having back to back contract and retention payments Personal Details
Date of Birth: 5th February 1976 Languages Known: English, Arabic, Urdu and Hindi Address: Sharjah, UAE Nationality: Indian
Marital Status: Married Driving License: Valid UAE & International Driving License Visa Status: Employment Visa
Jan’98- Apr’01
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