Bernalyn Grace باجادوان

• Successfully managed a recovery portfolio of AED6.5M, achieving a reduction to AED3.4M in just one month.
• Expertly resolved legacy accounts through effective collection strategies, balance write-offs, and legal referrals.
• Oversaw a substantial portfolio of AED24M in outstanding receivables, addressing payment issues, disputes, and credit notes to ensure timely payments.
• Achieved a significant reduction in overdue accounts, decreasing an outstanding balance from AED2.7M to AED213k through proactive management and negotiation.
• Demonstrated strong analytical skills in credit control, enhancing cash flow and minimizing financial risk.
• Developed and implemented efficient collection processes, contributing to improved overall financial health.

• Conducted comprehensive credit risk assessments for customers under $50K, leveraging external ratings to recommend optimal credit facilities.
• Managed and streamlined monthly Statements of Accounts (SOAs), ensuring 100% timely invoice payments and enhancing cash flow.
• Proactively identified and resolved disputes using the Dispute Management System (DTS), collaborating effectively with Sales to maintain customer satisfaction.
• Handled order release requests efficiently, adhering to established credit best practices to minimize risk.
• Cultivated strong relationships with key clients, fostering trust and loyalty to support business growth and retention.
• Aimed to transition into roles such as Accounts Receivable Specialist, Credit Manager, and Collection Manager, leveraging extensive credit control expertise.

• Assessed customer creditworthiness to establish and optimize credit lines, enhancing financial stability.
• Engaged in proactive customer visits to resolve issues and strengthen relationships, driving customer satisfaction.
• Developed and negotiated effective payment plans for delinquent clients, improving cash flow and reducing overdue accounts.
• Implemented and enforced rigorous credit control policies across account creation, order release, billing, and payment collection processes.
• Achieved an impressive average collection rate of 112% and a provision reversal of 26%, showcasing strong financial management.
• Fostered positive relationships with internal teams and external stakeholders to support collaborative credit management and collection efforts.

• Monitored and managed over 180 customer accounts, leveraging research and analysis to implement precise billing adjustments.
• Developed and negotiated payment schedules with clients, leading to a collection rate increase from 85% to 90% of monthly forecasts.
• Compiled and analyzed monthly reconciliation statements, effectively minimizing overdue accounts and consistently meeting DSO targets.
• Engaged proactively with customers to resolve overdue payments, enhancing relationships and ensuring timely collections.
• Streamlined collection processes and improved credit control measures, positioning for advancement into roles such as Credit Controller and Accounts Receivable Manager.

• Efficiently process daily cash receipts, ensuring accurate matching of client checks to invoices and meticulous handling of credit/debit notes.
• Oversee accounts receivable operations, including the seamless setup of new customers, timely payment posting, and proactive collections management.
• Lead client meetings to effectively negotiate tailored payment plans for overdue accounts, enhancing cash flow and client relationships.
• Maintain organized legal filing systems for accounts, ensuring compliance and timely removal of files upon full payment, contributing to streamlined operations.
• Utilize strong analytical skills to monitor account statuses and implement strategies that reduce overdue accounts, improving overall collection efficiency.