SAP Exposure

Sarbanes Oxley (Sox)

Working Capital Management

Global Credit Mgmt.

Credit & Collections

Cash Forecasting

Finance and Risk Management Consulting May 2020 - Current

Consulting Manager-Credit Risk Mississauga, Canada

Providing leadership to the teams involved in Credit risk management services.

Guiding credit teams on managing counterparty credits, credit limits and negotiating favorable contract terms.

Training on various aspects of credit and collections management.

Major clients supported include ANI Int’l & Guide Point Network

June 2013 –

Array Merchandising Sept 2019 – Apr 2020

Consulting Manager– Credit Risk Toronto, Canada

(Array Merchandising is a part of Carlyle Group -largest Global private global equity firm)

Directing accounts receivables and vendor management activities

Working closely with Group treasury on cash flow (plan, forecast and actuals)

Assisting in the development and implementation of strategies designed to maximize customer cure rate while minimizing impact of bad debt and materials write off through appropriate management of accounts receivables and vendor relations

Reviews processes for continual improvement and implements leading technology in order to increase our ability to collect accounts receivable from customers

Analyzing accounts receivable performance to target, trending, churn, etc. to identify and implement changes to process and policy for operational improvement

Introduced effective reporting and assessment tools to minimize risk and proactively identify problem areas and customers, making continuous improvement recommendations as required

Developed departmental best practices, technology, and standardization efforts

Established work standards, developed objectives and designs/maintains effective workflows and operating procedures

Responsible for the effective collection of company receivables, monitors all collection activities and processes to improve cash flow and downsize receivables

Finance and Risk Management Consulting Jan 2019 - Aug 2019

Director of Credit Mississauga, Canada

(pls see above)

PERI – Scaffolding and Engineering peri.com July 2017 – Dec 2018

Regional Credit Manager, Middle East, Africa & Turkey Dubai, UAE

(PERI is a German based world leader in Scaffolding with turnover of > $ 2 B)

Achievements

-Reduction of >30% in the b/d allow and b/d expenses

-Implemented credit limits across the region

-Updated credit risk management policy and procedure documents

-Developed KPI’s for monitoring the receivables

Direct responsibility of managing over US $ 120 M of accounts receivable (per month)

Develop and implement credit control, cash security and collection procedures

Improvement of systems and processes

Involved in cash flow forecast and assigning the monthly cash collection targets and planned level of DSO

Involved in legal case management, billings, projects

Managing team of over 25 people in the region (6 Direct Reports)

Training, mentoring and evaluation of the team.

Approves and conducts Due Diligence when entering into sales agreements in excess of authorized credit limits

AM & Associates (CPA’s and Credit Mgmt. Consultants) July 2013 - June 2017

Manager (Credit Risk and Due Diligence) Mississauga, Canada

(Credit Services to business partners dealing in distribution, manufacturing, trading, staffing etc.)

Due Diligence for financial institutions.

Managing credit analysis and analyzing customer data and business information to establish credit limits for approvals and process improvements.

Spearheading the development, improvement and refinement of credit policies, procedures and strategies to enhance the company's risk management platform.

Coached and mentored analysts through strong leadership, organization and interpersonal skills.

Identification and monitoring of Key Performance Indicators (KPI)

Bibby Financial Services Canada www.bibbycanada.ca Mar 2012 – Jun 2013

National Credit Manager Mississauga, Canada

(Bibby Financial is one of the leading global corporate financing groups) Analyze historical and projected financial statements.

Key person for developing and overseeing credit risk criteria across the business- includes underwriting.

Accountable for the adequacy of and appropriateness of Credit management policies, practices and limits to carry out the Risk Management mandate in line with risk appetite.

Responsible for reviewing specific business transactions within established limits involving Credit risk and making recommendations to the CEO or as appropriate.

Ensuring that the appropriate level of security is in place to protect the integrity and security requirements governing the lending operation

Overseeing the collection of delinquent loans and the supervision of delinquency action including legal activities

INGERSOLL RAND - Climate Solutions ingersollrand.com Jan 2000 – Dec 2011

Regional Credit Manager (part of EMEA Credit Team)

(Worked in Toronto and Dubai in various sectors of Group)

(IR is world leader in HVAC with turnover of > $ 30 B)

Achievements

-Achieved 34 consecutive months of DSO reduction (March 07-Dec 09), totaling 18 days (29%),

-Implementation of ERP systems (PeopleSoft and Scala) in the Region

-Organized risk analysis procedures and trained department personnel in person and via Microsoft live meeting on credit fundamentals.

-Worked extensively with regional leadership improving risk and payment term issues.

-Managed 6 direct and > 20 indirect reports.

-Reduced 180 days past due receivables from $2.5M in 2008 to $300K by 2011.

-Savings of > $ 300 K per year by applying Six sigma methodology

Direct responsibility of managing over US $60M of accounts receivable (per month)

Providing cash flow forecast of region to group treasury.

Evaluate and process financing requirements for distributors, mechanical contractors, owners and developers

Manage existing credit portfolio to include risk identification and mitigation

Involved in outside collection activities, legal case management, invoicing, claims and cash application

Managing relationships with leading Local and Foreign banks

Involved in evaluation of projects and contracts, including credit insurance policies

PROFESSIONAL DESIGNATIONS/CERTIFICATIONS

MASTER OF BUSINESS ADMINISTRATION (MBA) (1993)

Southeastern University, Washington D.C. USA

CANADIAN RISK MANAGEMENT (CRM) DESIGNATION (2014)

University of Toronto and awarded by Global Risk Management Institute (GRMI)

CERTIFIED INTERNATIONAL CREDIT PROFESSIONAL (CICP) DESIGNATION (2004)

Association of Executives in Finance Credit and International Business (FCIB) USA

CERTIFICATE COURSES

Certified Six Sigma Green Belt, American Standard Group (2005)

PROFESSIONAL MEMBERSHIPS

National Association of Credit Management (NACM), USA

Association of Executives in Finance, Credit & Int’l Business (FCIB), USA

Institute of Bankers (IBP)

PROFESSIONAL RECOGNITION

Speaker - IIR Holdings Conferences (Credit Risk Management)

Panelist and Moderator - FCIB Global Conference

Speaker - Global Trade Review (financing /payment issues related to construction industry)

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